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78score
New
$119,900
MLS
Street view3916 Winthrop Ave
Indianapolis IN 46205 · Single Family · built 1920
2 bd1 ba1,019 sqft$118/sqft vs ZIP $164 −28%
1.63 lender DSCR (est.)
Rent covers the estimated payment 1.63× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,600/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 1.6328% under ZIP $/sqftnew this weekbelow assessed value
The underwriting
The numbers (estimates, illustrative)
$119,900List price
$1,600Rent estimate / mo
1.63Lender DSCR (est.)
$3,660Taxes / yr · county assessor
$164ZIP median $ / sqft
78/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,600 |
| − Mortgage (P&I) | −$629 |
| − Taxes | −$305 |
| − Insurance | −$50 |
| = Cash flow before vacancy & repairs | $616 |
The numbers
- Price
- $119,900
- $ / sq ft
- $118 ZIP median $164
- Rent estimate
- $1,600/mo ZIP + bedroom comps
- Property taxes
- $3,660/yr 2% cap on assessed value $183,000
- PITIA (assumed)
- $984/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.63 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 78/100 DSCR 1.63 · 28% under ZIP $/sqft · new this week · below assessed value
The property
- Beds / baths
- 2 / 1
- Living area
- 1,019 sq ft
- Lot
- 8,712 sq ft
- Year built
- 1920
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- —
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22133454
- Listed
- Oct 28, 2026
- Days on market
- 4
- Listing agent
- List With Ben, LLC
3175401553 · sales@investwithben.com - Price history
- First asked $119,900
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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.