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53score
$129,900
MLS
Street view3128 S Rural St
Indianapolis IN 46237 · Single Family · built 1955
3 bd1 ba912 sqft$142/sqft vs ZIP $151 −6%
1.95 lender DSCR (est.)
Rent covers the estimated payment 1.95× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,795/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 1.95registered rental
The underwriting
The numbers (estimates, illustrative)
$129,900List price
$1,795Rent estimate / mo
1.95Lender DSCR (est.)
$2,212Taxes / yr · county assessor
$151ZIP median $ / sqft
53/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,795 |
| − Mortgage (P&I) | −$681 |
| − Taxes | −$184 |
| − Insurance | −$54 |
| = Cash flow before vacancy & repairs | $875 |
The numbers
- Price
- $129,900
- $ / sq ft
- $142 ZIP median $151
- Rent estimate
- $1,795/mo ZIP + bedroom comps
- Property taxes
- $2,212/yr 2% cap on assessed value $110,600
- PITIA (assumed)
- $920/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.95 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 53/100 DSCR 1.95 · registered rental
The property
- Beds / baths
- 3 / 1
- Living area
- 912 sq ft
- Lot
- 8,276 sq ft
- Year built
- 1955
- 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 #
- 22128167
- Listed
- Oct 9, 2026
- Days on market
- 9
- Listing agent
- Sammy Nieves · Trelora Realty, Inc
3174482284 · sammy.nieves@trelora.com - Price history
- First asked $129,900
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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.