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8score
New Construction
$455,340
MLS
Street view9875 Baneberry Ln
Carmel IN 46290 · Single Family · built 2027
3 bd2.5 ba2,137 sqft$213/sqft vs ZIP $235 −9%
0.64 lender DSCR (est.)
Rent covers the estimated payment 0.64× · walk-away floor 1.20 · low confidence
How we compute this
Rent est. $2,026/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 $/sqft
The underwriting
The numbers (estimates, illustrative)
$455,340List price
$2,026Rent estimate / mo
0.64Lender DSCR (est.)
$5,464Taxes / yr · assumed 1.2%
$235ZIP median $ / sqft
8/100Deal Score
Monthly picture (illustrative)
| Rent est. | $2,026 |
| − Mortgage (P&I) | −$2,388 |
| − Taxes | −$455 |
| − Insurance | −$190 |
| − HOA | −$150 |
| = Cash flow before vacancy & repairs | $-1,157 |
The numbers
- Price
- $455,340
- $ / sq ft
- $213 ZIP median $235
- Rent estimate
- $2,026/mo HUD fair-market rent
- Property taxes
- $5,464/yr assumed 1.2% of price
- PITIA (assumed)
- $3,183/mo 75% LTV at ~7.5% over 30 yr, taxes, insurance 0.5%/yr, HOA $150/mo
- Lender DSCR (est.)
- 0.64 rent ÷ PITIA · lender floor 1.20
- Deal Score
- 8/100 9% under ZIP $/sqft
The property
- Beds / baths
- 3 / 2.5
- Living area
- 2,137 sq ft
- Lot
- 2,178 sq ft
- Year built
- 2027
- Property type
- Single Family
- HOA
- $150/mo
- Flood zone
- X
- Registered rental
- No
The listing
- Source
- New Construction
- MLS #
- 22093072
- Listed
- Apr 8, 2026
- Days on market
- 180
- Listing agent
- Denise Potter · Onyx And East, Llc
3173714052 · denise.potter@onyxandeast.com - Price history
- First asked $455,340
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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.