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69score
New
$138,000
MLS
Street view538 S Temple Ave
Indianapolis IN 46203 · Single Family · built 1959
3 bd1 ba1,025 sqft$135/sqft vs ZIP $167 −19%
1.64 lender DSCR (est.)
Rent covers the estimated payment 1.64× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,513/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 1.6419% under ZIP $/sqftnew this weekregistered rental
The underwriting
The numbers (estimates, illustrative)
$138,000List price
$1,513Rent estimate / mo
1.64Lender DSCR (est.)
$1,722Taxes / yr · county assessor
$167ZIP median $ / sqft
69/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,513 |
| − Mortgage (P&I) | −$724 |
| − Taxes | −$144 |
| − Insurance | −$58 |
| = Cash flow before vacancy & repairs | $588 |
The numbers
- Price
- $138,000
- $ / sq ft
- $135 ZIP median $167
- Rent estimate
- $1,513/mo ZIP + bedroom comps
- Property taxes
- $1,722/yr 2% cap on assessed value $86,100
- PITIA (assumed)
- $925/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.64 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 69/100 DSCR 1.64 · 19% under ZIP $/sqft · new this week · registered rental
The property
- Beds / baths
- 3 / 1
- Living area
- 1,025 sq ft
- Lot
- 5,227 sq ft
- Year built
- 1959
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- Yes — registered with the city
The listing
- Source
- Standard
- MLS #
- 22130669
- Listed
- Oct 10, 2026
- Days on market
- 5
- Listing agent
- Talina Shelton · US Investor Group, LLC
3172862287 · talina.shelton@usipropertymanagement.com - Price history
- First asked $138,000
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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.