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26score
$344,900
MLS
Street view4522 Ozark Ln
Indianapolis IN 46239 · Single Family · built 2020
5 bd3 ba3,162 sqft$109/sqft vs ZIP $147 −26%
0.84 lender DSCR (est.)
Rent covers the estimated payment 0.84× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,236/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.
26% under ZIP $/sqftbelow assessed value
The underwriting
The numbers (estimates, illustrative)
$344,900List price
$2,236Rent estimate / mo
0.84Lender DSCR (est.)
$8,030Taxes / yr · county assessor
$147ZIP median $ / sqft
26/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,236 |
| − Mortgage (P&I) | −$1,809 |
| − Taxes | −$669 |
| − Insurance | −$144 |
| − HOA | −$54 |
| = Cash flow before vacancy & repairs | $-440 |
The numbers
- Price
- $344,900
- $ / sq ft
- $109 ZIP median $147
- Rent estimate
- $2,236/mo HUD fair-market rent
- Property taxes
- $8,030/yr 2% cap on assessed value $401,500
- PITIA (assumed)
- $2,676/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $54/mo
- Lender DSCR (est.)
- 0.84 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 26/100 26% under ZIP $/sqft · below assessed value
The property
- Beds / baths
- 5 / 3
- Living area
- 3,162 sq ft
- Lot
- 8,712 sq ft
- Year built
- 2020
- Property type
- Single Family
- HOA
- $54/mo
- Flood zone
- —
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22131656
- Listed
- Oct 16, 2026
- Days on market
- 16
- Listing agent
- Terri Mcgavock, Broker Associate · Berkshire Hathaway HomeServices Indiana Realty
3172725555 · tmcgavock@bhhsin.com - Price history
- First asked $344,900
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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.