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35score
$199,900
MLS
Street view1635 Cruft St
Indianapolis IN 46203 · Single Family · built 1910
5 bd3 ba2,468 sqft$81/sqft vs ZIP $168 −52%
1.14 lender DSCR (est.)
Rent covers the estimated payment 1.14× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $1,722/mo (HUD fair-market rent) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes from the county assessor. Assumptions as of 2026-09-12.
52% under ZIP $/sqftverify conditionbelow assessed value
The underwriting
The numbers (estimates, illustrative)
$199,900List price
$1,722Rent estimate / mo
1.14Lender DSCR (est.)
$4,542Taxes / yr · county assessor
$168ZIP median $ / sqft
35/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,722 |
| − Mortgage (P&I) | −$1,048 |
| − Taxes | −$379 |
| − Insurance | −$83 |
| = Cash flow before vacancy & repairs | $212 |
The numbers
- Price
- $199,900
- $ / sq ft
- $81 ZIP median $168
- Rent estimate
- $1,722/mo HUD fair-market rent
- Property taxes
- $4,542/yr 2% cap on assessed value $227,100
- PITIA (assumed)
- $1,510/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.14 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 35/100 52% under ZIP $/sqft · verify condition · below assessed value
The property
- Beds / baths
- 5 / 3
- Living area
- 2,468 sq ft
- Lot
- 5,227 sq ft
- Year built
- 1910
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- —
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22110347
- Listed
- Jun 26, 2026
- Days on market
- 127
- Listing agent
- Batch Ceesay · @properties
6145066419 · bceesayrealestate@gmail.com - Price history
- First asked $199,900
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All figures are illustrative estimates from the list price, public records, rent comps / HUD fair-market rent and assumed financing (75% LTV, ~7.5%, 30 yr, as of 2026-09-12). Not verified, not an offer, not investment advice. Triad Global, LLC is a real-estate investor, not a licensed brokerage. Listing data from public sources; verify everything before you bid. Equal Housing Opportunity.