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34score
New
$185,000
MLS
Street view3113 Osceola Ln
Indianapolis IN 46235 · Single Family · built 1974
3 bd1.5 ba1,278 sqft$145/sqft vs ZIP $141 +3%
1.30 lender DSCR (est.)
Rent covers the estimated payment 1.30× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,735/mo (ZIP + bedroom comps) ÷ 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.
DSCR 1.30new this weekregistered rental
The underwriting
The numbers (estimates, illustrative)
$185,000List price
$1,735Rent estimate / mo
1.30Lender DSCR (est.)
$3,454Taxes / yr · county assessor
$141ZIP median $ / sqft
34/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,735 |
| − Mortgage (P&I) | −$970 |
| − Taxes | −$288 |
| − Insurance | −$77 |
| = Cash flow before vacancy & repairs | $400 |
The numbers
- Price
- $185,000
- $ / sq ft
- $145 ZIP median $141
- Rent estimate
- $1,735/mo ZIP + bedroom comps
- Property taxes
- $3,454/yr 2% cap on assessed value $172,700
- PITIA (assumed)
- $1,335/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.30 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 34/100 DSCR 1.30 · new this week · registered rental
The property
- Beds / baths
- 3 / 1.5
- Living area
- 1,278 sq ft
- Lot
- 10,454 sq ft
- Year built
- 1974
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- Yes — registered with the city
The listing
- Source
- Standard
- MLS #
- 22128225
- Listed
- Sep 28, 2026
- Days on market
- 5
- Listing agent
- Sarah Schaefer · White Stag Realty, LLC
3178334397 · sschaefer@fathomrealty.com - Price history
- First asked $185,000
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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.