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15score
↓ $15,000
$425,000
MLS
Street view8815 Fathom Crst
Indianapolis IN 46256 · Single Family · built 1981
4 bd2.5 ba2,727 sqft$156/sqft vs ZIP $171 −9%
0.67 lender DSCR (est.)
Rent covers the estimated payment 0.67× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $1,913/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.
9% under ZIP $/sqftprice cut 4%
The underwriting
The numbers (estimates, illustrative)
$425,000List price
$1,913Rent estimate / mo
0.67Lender DSCR (est.)
$5,100Taxes / yr · assumed 1.2%
$171ZIP median $ / sqft
15/100Deal Score
Monthly picture (illustrative)
| Rent est. | $1,913 |
| − Mortgage (P&I) | −$2,229 |
| − Taxes | −$425 |
| − Insurance | −$177 |
| − HOA | −$44 |
| = Cash flow before vacancy & repairs | $-962 |
The numbers
- Price
- $425,000
- $ / sq ft
- $156 ZIP median $171
- Rent estimate
- $1,913/mo HUD fair-market rent
- Property taxes
- $5,100/yr assumed 1.2% of price
- PITIA (assumed)
- $2,875/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $44/mo
- Lender DSCR (est.)
- 0.67 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 15/100 9% under ZIP $/sqft · price cut 4%
The property
- Beds / baths
- 4 / 2.5
- Living area
- 2,727 sq ft
- Lot
- 16,117 sq ft
- Year built
- 1981
- Property type
- Single Family
- HOA
- $44/mo
- Flood zone
- None (Zone X)
- Registered rental
- No
The listing
- Source
- Standard
- MLS #
- 22117167
- Listed
- Jul 29, 2026
- Days on market
- 66
- Listing agent
- Autumn Sojka · Heroes Property Group
3173403064 · autumnsojka@gmail.com - Price history
- First asked $440,000 · previously $440,000 cut $15,000
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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.