1 / 6
19score
↓ $5,000
$195,000
MLS
Street view6315 Ratliff Rd
Indianapolis IN 46113 · Single Family · built 1957
2 bd1 ba960 sqft$203/sqft vs ZIP $167 +22%
1.11 lender DSCR (est.)
Rent covers the estimated payment 1.11× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $1,501/mo (HUD fair-market rent) ÷ 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.
price cut 3%
The underwriting
The numbers (estimates, illustrative)
$195,000List price
$1,501Rent estimate / mo
1.11Lender DSCR (est.)
$3,006Taxes / yr · county assessor
$167ZIP median $ / sqft
19/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,501 |
| − Mortgage (P&I) | −$1,023 |
| − Taxes | −$251 |
| − Insurance | −$81 |
| = Cash flow before vacancy & repairs | $147 |
The numbers
- Price
- $195,000
- $ / sq ft
- $203 ZIP median $167
- Rent estimate
- $1,501/mo HUD fair-market rent
- Property taxes
- $3,006/yr 2% cap on assessed value $150,300
- PITIA (assumed)
- $1,354/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr
- Lender DSCR (est.)
- 1.11 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 19/100 price cut 3%
The property
- Beds / baths
- 2 / 1
- Living area
- 960 sq ft
- Lot
- 22,651 sq ft
- Year built
- 1957
- Property type
- Single Family
- HOA
- None on record
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22113467
- Listed
- Jul 11, 2026
- Days on market
- 98
- Listing agent
- Josie Deakin · Just Homes Realty
3179372130 · josiegregory17@icloud.com - Price history
- First asked $200,000 · previously $200,000 cut $5,000
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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.