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32score
New
$285,000
MLS
Street view8020 Retreat Ln
Indianapolis IN 46259 · Single Family · built 2010
4 bd2.5 ba2,424 sqft$118/sqft vs ZIP $150 −22%
0.96 lender DSCR (est.)
Rent covers the estimated payment 0.96× · walk-away floor 1.20 · medium confidence
How we compute this
Rent est. $2,041/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.
21% under ZIP $/sqftnew this weekbelow assessed value
The underwriting
The numbers (estimates, illustrative)
$285,000List price
$2,041Rent estimate / mo
0.96Lender DSCR (est.)
$5,958Taxes / yr · county assessor
$150ZIP median $ / sqft
32/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,041 |
| − Mortgage (P&I) | −$1,495 |
| − Taxes | −$497 |
| − Insurance | −$119 |
| − HOA | −$21 |
| = Cash flow before vacancy & repairs | $-90 |
The numbers
- Price
- $285,000
- $ / sq ft
- $118 ZIP median $150
- Rent estimate
- $2,041/mo HUD fair-market rent
- Property taxes
- $5,958/yr 2% cap on assessed value $297,900
- PITIA (assumed)
- $2,131/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $21/mo
- Lender DSCR (est.)
- 0.96 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 32/100 21% under ZIP $/sqft · new this week · below assessed value
The property
- Beds / baths
- 4 / 2.5
- Living area
- 2,424 sq ft
- Lot
- 7,841 sq ft
- Year built
- 2010
- Property type
- Single Family
- HOA
- $21/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22130946
- Listed
- Oct 12, 2026
- Days on market
- 3
- Listing agent
- Salai Lungngam · CrossRoads Link Realty
3175035844 · palungrealestate@gmail.com - Price history
- First asked $285,000
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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.