1 / 6
19score
↓ $5,800
$189,200
MLS
Street view4630 N Richardt Ave
Indianapolis IN 46226 · Single Family · built 1989
3 bd2 ba1,168 sqft$162/sqft vs ZIP $124 +31%
1.11 lender DSCR (est.)
Rent covers the estimated payment 1.11× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,450/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.
price cut 3%
The underwriting
The numbers (estimates, illustrative)
$189,200List price
$1,450Rent estimate / mo
1.11Lender DSCR (est.)
$2,860Taxes / yr · county assessor
$124ZIP median $ / sqft
19/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,450 |
| − Mortgage (P&I) | −$992 |
| − Taxes | −$238 |
| − Insurance | −$79 |
| = Cash flow before vacancy & repairs | $141 |
The numbers
- Price
- $189,200
- $ / sq ft
- $162 ZIP median $124
- Rent estimate
- $1,450/mo ZIP + bedroom comps
- Property taxes
- $2,860/yr 2% cap on assessed value $143,000
- PITIA (assumed)
- $1,309/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.11 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 19/100 price cut 3%
The property
- Beds / baths
- 3 / 2
- Living area
- 1,168 sq ft
- Lot
- 6,970 sq ft
- Year built
- 1989
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22108036
- Listed
- Jun 14, 2026
- Days on market
- 125
- Listing agent
- Marlene Agosto · Realty of America LLC
7652662287 · elevatedrealestateservices@gmail.com - Price history
- First asked $195,000 · previously $195,000 cut $5,800
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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.