5134 E 20th StIndianapolisIN46218
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5134 E 20th St, Indianapolis, IN, 46218 in Indianapolis at $125,900 earns $1,007/mo in rent and nets $128/mo after the $566/mo payment, a 9.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $34,784 over five years. Ziffy Mortgage underwrites this on a 1.78 DSCR without U.S. credit history. With $1,160/yr in principal paydown, total projected return reaches $56,462.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.8% |
| Monthly Cash Flow | $128 | $450 |
City averages based on Indianapolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,007 |
| Total Monthly Debt Service | $829 |
| DSCR Ratio | 1.22x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1952
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46218, Indianapolis, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,771 (100%) |
| Owner Occupied HU | 5,612 (38.0%) |
| Renter Occupied HU | 6,950 (47.1%) |
| Vacant Housing Units | 2,209 (15.0%) |
| Median Home Value | $94,245 |
| Average Home Value | $146,693 |
Housing Distribution
Address Breakdown
Residential
13,220
Single Family
12,746
Multi-Family
474
Businesses
864
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1952
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 46218, Indianapolis, IN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,771 (100%) |
| Owner Occupied HU | 5,612 (38.0%) |
| Renter Occupied HU | 6,950 (47.1%) |
| Vacant Housing Units | 2,209 (15.0%) |
| Median Home Value | $94,245 |
| Average Home Value | $146,693 |
Housing Distribution
Address Breakdown
Residential
13,220
Single Family
12,746
Multi-Family
474
Businesses
864
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A