Last confirmed active 18 days ago — it may be under contract or sold since. Check the official listing before you act. Verify on Zillow · Redfin · Realtor.com
1 / 6
28score
↓ $15,000
$675,000
MLS
Street view3795 Cole Ct
Carmel IN 46032 · Single Family · built 1997
4 bd3 ba4,015 sqft$168/sqft vs ZIP $233 −28%
0.55 lender DSCR (est.)
Rent covers the estimated payment 0.55× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,728/mo (HUD fair-market rent) ÷ 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.
28% under ZIP $/sqftprice cut 2%
The underwriting
The numbers (estimates, illustrative)
$675,000List price
$2,728Rent estimate / mo
0.55Lender DSCR (est.)
$12,468Taxes / yr · county assessor
$233ZIP median $ / sqft
28/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,728 |
| − Mortgage (P&I) | −$3,540 |
| − Taxes | −$1,039 |
| − Insurance | −$281 |
| − HOA | −$58 |
| = Cash flow before vacancy & repairs | $-2,190 |
The numbers
- Price
- $675,000
- $ / sq ft
- $168 ZIP median $233
- Rent estimate
- $2,728/mo HUD fair-market rent
- Property taxes
- $12,468/yr 2% cap on assessed value $623,400
- PITIA (assumed)
- $4,918/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $58/mo
- Lender DSCR (est.)
- 0.55 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 28/100 28% under ZIP $/sqft · price cut 2%
The property
- Beds / baths
- 4 / 3
- Living area
- 4,015 sq ft
- Lot
- 26,572 sq ft
- Year built
- 1997
- Property type
- Single Family
- HOA
- $58/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22120750
- Listed
- Sep 1, 2026
- Days on market
- 32
- Listing agent
- John Pacilio · eXp Realty, LLC
3175699662 · john@johnpacilio.com - Price history
- First asked $690,000 · previously $690,000 cut $15,000
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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.