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5score
New
$420,000
MLS
Street view3412 Windy Knoll Ln
Carmel IN 46074 · Single Family · built 2005
3 bd2 ba1,596 sqft$263/sqft vs ZIP $210 +25%
0.78 lender DSCR (est.)
Rent covers the estimated payment 0.78× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $2,236/mo (HUD fair-market rent) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes assumed at 1.2% of price. Assumptions as of 2026-09-12.
new this week
The underwriting
The numbers (estimates, illustrative)
$420,000List price
$2,236Rent estimate / mo
0.78Lender DSCR (est.)
$5,040Taxes / yr · assumed 1.2%
$210ZIP median $ / sqft
5/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,236 |
| − Mortgage (P&I) | −$2,203 |
| − Taxes | −$420 |
| − Insurance | −$175 |
| − HOA | −$71 |
| = Cash flow before vacancy & repairs | $-633 |
The numbers
- Price
- $420,000
- $ / sq ft
- $263 ZIP median $210
- Rent estimate
- $2,236/mo HUD fair-market rent
- Property taxes
- $5,040/yr assumed 1.2% of price
- PITIA (assumed)
- $2,869/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $71/mo
- Lender DSCR (est.)
- 0.78 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 5/100 new this week
The property
- Beds / baths
- 3 / 2
- Living area
- 1,596 sq ft
- Lot
- 6,098 sq ft
- Year built
- 2005
- Property type
- Single Family
- HOA
- $71/mo
- Flood zone
- —
- Registered rental
- —
The listing
- Source
- Standard
- MLS #
- 22126155
- Listed
- Oct 2, 2026
- Days on market
- 2
- Listing agent
- Loris Heck · Carpenter Realtors, Carmel
3174461895 · carmel@callcarpenter.com - Price history
- First asked $420,000
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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.