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6score
$345,000
MLS
Street view5122 Clemens Pl
Indianapolis IN 46239 · Single Family · built 2006
4 bd3.5 ba2,523 sqft$137/sqft vs ZIP $148 −8%
0.82 lender DSCR (est.)
Rent covers the estimated payment 0.82× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $2,093/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.
The underwriting
The numbers (estimates, illustrative)
$345,000List price
$2,093Rent estimate / mo
0.82Lender DSCR (est.)
$6,470Taxes / yr · county assessor
$148ZIP median $ / sqft
6/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,093 |
| − Mortgage (P&I) | −$1,809 |
| − Taxes | −$539 |
| − Insurance | −$144 |
| − HOA | −$45 |
| = Cash flow before vacancy & repairs | $-444 |
The numbers
- Price
- $345,000
- $ / sq ft
- $137 ZIP median $148
- Rent estimate
- $2,093/mo ZIP + bedroom comps
- Property taxes
- $6,470/yr 2% cap on assessed value $323,500
- PITIA (assumed)
- $2,537/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $45/mo
- Lender DSCR (est.)
- 0.82 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 6/100
The property
- Beds / baths
- 4 / 3.5
- Living area
- 2,523 sq ft
- Lot
- 8,276 sq ft
- Year built
- 2006
- Property type
- Single Family
- HOA
- $45/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22105152
- Listed
- May 30, 2026
- Days on market
- 126
- Listing agent
- Lora Reynolds · Epique Inc
3174966291 · lora@wrsuccess.com - Price history
- First asked $345,000
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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.