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20score
$197,000
MLS
Street view5113 Emmert Dr
Indianapolis IN 46221 · Single Family · built 1997
3 bd2 ba970 sqft$203/sqft vs ZIP $145 +40%
1.22 lender DSCR (est.)
Rent covers the estimated payment 1.22× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,730/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 1.22
The underwriting
The numbers (estimates, illustrative)
$197,000List price
$1,730Rent estimate / mo
1.22Lender DSCR (est.)
$3,702Taxes / yr · county assessor
$145ZIP median $ / sqft
20/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,730 |
| − Mortgage (P&I) | −$1,033 |
| − Taxes | −$309 |
| − Insurance | −$82 |
| = Cash flow before vacancy & repairs | $306 |
The numbers
- Price
- $197,000
- $ / sq ft
- $203 ZIP median $145
- Rent estimate
- $1,730/mo ZIP + bedroom comps
- Property taxes
- $3,702/yr 2% cap on assessed value $185,100
- PITIA (assumed)
- $1,424/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.22 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 20/100 DSCR 1.22
The property
- Beds / baths
- 3 / 2
- Living area
- 970 sq ft
- Lot
- 7,405 sq ft
- Year built
- 1997
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22124848
- Listed
- Sep 8, 2026
- Days on market
- 24
- Listing agent
- Dana Wright · Re/Max Advanced Realty
3172009090 · dana@indyhomepros.com - Price history
- First asked $197,000
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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.