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6score
$400,000
MLS
Street view3530 Tolworth Ln
Westfield IN 46074 · Single Family · built 2019
3 bd2.5 ba2,059 sqft$194/sqft vs ZIP $210 −7%
0.81 lender DSCR (est.)
Rent covers the estimated payment 0.81× · 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.
The underwriting
The numbers (estimates, illustrative)
$400,000List price
$2,236Rent estimate / mo
0.81Lender DSCR (est.)
$4,800Taxes / yr · assumed 1.2%
$210ZIP median $ / sqft
6/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,236 |
| − Mortgage (P&I) | −$2,098 |
| − Taxes | −$400 |
| − Insurance | −$167 |
| − HOA | −$100 |
| = Cash flow before vacancy & repairs | $-528 |
The numbers
- Price
- $400,000
- $ / sq ft
- $194 ZIP median $210
- Rent estimate
- $2,236/mo HUD fair-market rent
- Property taxes
- $4,800/yr assumed 1.2% of price
- PITIA (assumed)
- $2,764/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $100/mo
- Lender DSCR (est.)
- 0.81 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 6/100
The property
- Beds / baths
- 3 / 2.5
- Living area
- 2,059 sq ft
- Lot
- 2,178 sq ft
- Year built
- 2019
- Property type
- Single Family
- HOA
- $100/mo
- Flood zone
- —
- Registered rental
- —
The listing
- Source
- Standard
- MLS #
- 22124598
- Listed
- Sep 4, 2026
- Days on market
- 31
- Listing agent
- Joseph Wootan · ListWithFreedom.com Inc.
3179135172 · jwootan@sbcglobal.net - Price history
- First asked $400,000
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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.