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28score
$182,000
MLS
Street view5135 E Saint Clair St
Indianapolis IN 46219 · Single Family · built 1890
3 bd1 ba1,367 sqft$133/sqft vs ZIP $145 −8%
1.24 lender DSCR (est.)
Rent covers the estimated payment 1.24× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $1,500/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 1.248% under ZIP $/sqft
The underwriting
The numbers (estimates, illustrative)
$182,000List price
$1,500Rent estimate / mo
1.24Lender DSCR (est.)
$2,184Taxes / yr · assumed 1.2%
$145ZIP median $ / sqft
28/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,500 |
| − Mortgage (P&I) | −$954 |
| − Taxes | −$182 |
| − Insurance | −$76 |
| = Cash flow before vacancy & repairs | $288 |
The numbers
- Price
- $182,000
- $ / sq ft
- $133 ZIP median $145
- Rent estimate
- $1,500/mo ZIP + bedroom comps
- Property taxes
- $2,184/yr assumed 1.2% of price
- PITIA (assumed)
- $1,212/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.24 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 28/100 DSCR 1.24 · 8% under ZIP $/sqft
The property
- Beds / baths
- 3 / 1
- Living area
- 1,367 sq ft
- Lot
- 5,663 sq ft
- Year built
- 1890
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22120480
- Listed
- Sep 19, 2026
- Days on market
- 13
- Listing agent
- Jennifer Butts · F.C. Tucker Company - East
3178910100 · jennifer.butts@talktotucker.com - Price history
- First asked $182,000
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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.