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47score
New
$165,000
MLS
Street view3745 Winthrop Ave
Indianapolis IN 46205 · Single Family · built 1920
2 bd1 ba1,254 sqft$132/sqft vs ZIP $162 −19%
1.31 lender DSCR (est.)
Rent covers the estimated payment 1.31× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,499/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 1.3119% under ZIP $/sqftnew this week
The underwriting
The numbers (estimates, illustrative)
$165,000List price
$1,499Rent estimate / mo
1.31Lender DSCR (est.)
$2,502Taxes / yr · county assessor
$162ZIP median $ / sqft
47/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,499 |
| − Mortgage (P&I) | −$865 |
| − Taxes | −$209 |
| − Insurance | −$69 |
| = Cash flow before vacancy & repairs | $356 |
The numbers
- Price
- $165,000
- $ / sq ft
- $132 ZIP median $162
- Rent estimate
- $1,499/mo ZIP + bedroom comps
- Property taxes
- $2,502/yr 2% cap on assessed value $125,100
- PITIA (assumed)
- $1,143/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.31 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 47/100 DSCR 1.31 · 19% under ZIP $/sqft · new this week
The property
- Beds / baths
- 2 / 1
- Living area
- 1,254 sq ft
- Lot
- 6,534 sq ft
- Year built
- 1920
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22129807
- Listed
- Oct 5, 2026
- Days on market
- 3
- Listing agent
- Randy Placencia · Red Bridge Real Estate
3178004342 · randy@redbridgerealestate.com - Price history
- First asked $165,000
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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.