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21score
$255,000
MLS
Street view6453 Oyster Key Ln
Plainfield IN 46168 · Single Family · built 2004
4 bd2 ba1,383 sqft$184/sqft vs ZIP $175 +5%
1.23 lender DSCR (est.)
Rent covers the estimated payment 1.23× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $2,173/mo (HUD fair-market rent) ÷ 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 1.23
The underwriting
The numbers (estimates, illustrative)
$255,000List price
$2,173Rent estimate / mo
1.23Lender DSCR (est.)
$3,060Taxes / yr · assumed 1.2%
$175ZIP median $ / sqft
21/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,173 |
| − Mortgage (P&I) | −$1,337 |
| − Taxes | −$255 |
| − Insurance | −$106 |
| − HOA | −$67 |
| = Cash flow before vacancy & repairs | $408 |
The numbers
- Price
- $255,000
- $ / sq ft
- $184 ZIP median $175
- Rent estimate
- $2,173/mo HUD fair-market rent
- Property taxes
- $3,060/yr assumed 1.2% of price
- PITIA (assumed)
- $1,765/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $67/mo
- Lender DSCR (est.)
- 1.23 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 21/100 DSCR 1.23
The property
- Beds / baths
- 4 / 2
- Living area
- 1,383 sq ft
- Lot
- 6,970 sq ft
- Year built
- 2004
- Property type
- Single Family
- HOA
- $67/mo
- Flood zone
- —
- Registered rental
- —
The listing
- Source
- Standard
- MLS #
- 22131898
- Listed
- Oct 20, 2026
- Days on market
- 14
- Listing agent
- Marian Wolff · F.C. Tucker Company - Zionsville
3174146532 · marian@talktotucker.com - Price history
- First asked $255,000
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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.