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21score
$209,900
MLS
Street view5646 Bertha St
Indianapolis IN 46241 · Single Family · built 1963
3 bd1.5 ba1,134 sqft$185/sqft vs ZIP $157 +18%
1.23 lender DSCR (est.)
Rent covers the estimated payment 1.23× · walk-away floor 1.20 · high confidence
How we compute this
Rent est. $1,805/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 1.23
The underwriting
The numbers (estimates, illustrative)
$209,900List price
$1,805Rent estimate / mo
1.23Lender DSCR (est.)
$3,414Taxes / yr · county assessor
$157ZIP median $ / sqft
21/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,805 |
| − Mortgage (P&I) | −$1,101 |
| − Taxes | −$285 |
| − Insurance | −$87 |
| = Cash flow before vacancy & repairs | $332 |
The numbers
- Price
- $209,900
- $ / sq ft
- $185 ZIP median $157
- Rent estimate
- $1,805/mo ZIP + bedroom comps
- Property taxes
- $3,414/yr 2% cap on assessed value $170,700
- PITIA (assumed)
- $1,473/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.23 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 21/100 DSCR 1.23
The property
- Beds / baths
- 3 / 1.5
- Living area
- 1,134 sq ft
- Lot
- 8,712 sq ft
- Year built
- 1963
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22119744
- Listed
- Aug 12, 2026
- Days on market
- 51
- Listing agent
- Rochelle Perkins · Garnet Group
7656097316 · rochelle@rochelleknowsindy.com - Price history
- First asked $209,900
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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.