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36score
$175,000
MLS
Street view5122 W 12th St
Indianapolis IN 46224 · Single Family · built 1953
3 bd1 ba950 sqft$184/sqft vs ZIP $162 +14%
1.46 lender DSCR (est.)
Rent covers the estimated payment 1.46× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $1,700/mo (ZIP + bedroom comps) ÷ estimated monthly payment: 75% LTV, ~7.5% rate, 30‑yr term, insurance ~0.5%/yr, taxes assumed at 1.2% of price. Assumptions as of 2026-09-12.
DSCR 1.46
The underwriting
The numbers (estimates, illustrative)
$175,000List price
$1,700Rent estimate / mo
1.46Lender DSCR (est.)
$2,100Taxes / yr · assumed 1.2%
$162ZIP median $ / sqft
36/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,700 |
| − Mortgage (P&I) | −$918 |
| − Taxes | −$175 |
| − Insurance | −$73 |
| = Cash flow before vacancy & repairs | $534 |
The numbers
- Price
- $175,000
- $ / sq ft
- $184 ZIP median $162
- Rent estimate
- $1,700/mo ZIP + bedroom comps
- Property taxes
- $2,100/yr assumed 1.2% of price
- PITIA (assumed)
- $1,166/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.46 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 36/100 DSCR 1.46
The property
- Beds / baths
- 3 / 1
- Living area
- 950 sq ft
- Lot
- 12,632 sq ft
- Year built
- 1953
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- —
- Registered rental
- —
The listing
- Source
- Standard
- MLS #
- 22132749
- Listed
- Oct 23, 2026
- Days on market
- 9
- Listing agent
- Garrett Valeu · Better Homes and Gardens Real Estate Gold Key
3177460616 · garrettvaleu@providencepropertygrp.com - Price history
- First asked $175,000
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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.