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13score
$385,000
MLS
Street view4638 Whitridge Ln
Indianapolis IN 46237 · Single Family · built 2003
4 bd3 ba2,980 sqft$129/sqft vs ZIP $153 −16%
0.76 lender DSCR (est.)
Rent covers the estimated payment 0.76× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,133/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.
16% under ZIP $/sqft
The underwriting
The numbers (estimates, illustrative)
$385,000List price
$2,133Rent estimate / mo
0.76Lender DSCR (est.)
$6,920Taxes / yr · county assessor
$153ZIP median $ / sqft
13/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,133 |
| − Mortgage (P&I) | −$2,019 |
| − Taxes | −$577 |
| − Insurance | −$160 |
| − HOA | −$33 |
| = Cash flow before vacancy & repairs | $-656 |
The numbers
- Price
- $385,000
- $ / sq ft
- $129 ZIP median $153
- Rent estimate
- $2,133/mo ZIP + bedroom comps
- Property taxes
- $6,920/yr 2% cap on assessed value $346,000
- PITIA (assumed)
- $2,789/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $33/mo
- Lender DSCR (est.)
- 0.76 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 13/100 16% under ZIP $/sqft
The property
- Beds / baths
- 4 / 3
- Living area
- 2,980 sq ft
- Lot
- 6,534 sq ft
- Year built
- 2003
- Property type
- Single Family
- HOA
- $33/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22124882
- Listed
- Sep 10, 2026
- Days on market
- 23
- Listing agent
- Anuja Chandra · RE/MAX REAL ESTATE PROFESSIONALS
8123505162 · anujaguptachandra@gmail.com - Price history
- First asked $385,000
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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.