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31score
$174,900
MLS
Street view4306 Hoyt Ave
Indianapolis IN 46203 · Single Family · built 1967
3 bd2 ba1,104 sqft$158/sqft vs ZIP $168 −6%
1.32 lender DSCR (est.)
Rent covers the estimated payment 1.32× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,500/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 1.32
The underwriting
The numbers (estimates, illustrative)
$174,900List price
$1,500Rent estimate / mo
1.32Lender DSCR (est.)
$1,802Taxes / yr · county assessor
$168ZIP median $ / sqft
31/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,500 |
| − Mortgage (P&I) | −$917 |
| − Taxes | −$150 |
| − Insurance | −$73 |
| = Cash flow before vacancy & repairs | $360 |
The numbers
- Price
- $174,900
- $ / sq ft
- $158 ZIP median $168
- Rent estimate
- $1,500/mo ZIP + bedroom comps
- Property taxes
- $1,802/yr 2% cap on assessed value $90,100
- PITIA (assumed)
- $1,140/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.32 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 31/100 DSCR 1.32
The property
- Beds / baths
- 3 / 2
- Living area
- 1,104 sq ft
- Lot
- 2,614 sq ft
- Year built
- 1967
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22092876
- Listed
- Apr 1, 2026
- Days on market
- 199
- Listing agent
- Joel Newman · Joel Newman Real Estate, Inc
3179105447 · jnewmanrealestate@gmail.com - Price history
- First asked $174,900
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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.