1 / 6
28score
New
$175,000
MLS
Street view3841 Harvest Ave
Indianapolis IN 46226 · Single Family · built 1961
4 bd2 ba1,378 sqft$127/sqft vs ZIP $128 −1%
1.21 lender DSCR (est.)
Rent covers the estimated payment 1.21× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,426/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 1.21new this weekregistered rental
The underwriting
The numbers (estimates, illustrative)
$175,000List price
$1,426Rent estimate / mo
1.21Lender DSCR (est.)
$2,292Taxes / yr · county assessor
$128ZIP median $ / sqft
28/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,426 |
| − Mortgage (P&I) | −$918 |
| − Taxes | −$191 |
| − Insurance | −$73 |
| = Cash flow before vacancy & repairs | $244 |
The numbers
- Price
- $175,000
- $ / sq ft
- $127 ZIP median $128
- Rent estimate
- $1,426/mo ZIP + bedroom comps
- Property taxes
- $2,292/yr 2% cap on assessed value $114,600
- PITIA (assumed)
- $1,182/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.21 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 28/100 DSCR 1.21 · new this week · registered rental
The property
- Beds / baths
- 4 / 2
- Living area
- 1,378 sq ft
- Lot
- 6,098 sq ft
- Year built
- 1961
- 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 #
- 22130373
- Listed
- Oct 7, 2026
- Days on market
- 3
- Listing agent
- Ashley Mullin · Fs Houses Llc
3177602897 · ashley@fshouses.com - Price history
- First asked $175,000
Keep looking
Similar deals nearby
Ask Triad about this deal
Want a second opinion, a walkthrough, or an offer strategy?
We buy in Indianapolis ourselves. Tell us what you're thinking and our team replies within one business day. Free, no obligation.
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.