Likely sold or withdrawnWe last saw this listing 70 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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3 BED SINGLE-FAMILY HOMEListed 161d ago
Strong return buy-to-let
10114 E 33rd St, Indianapolis, IN 46235 · 1,225 sqft · $113/sqft
Monthly profit +$397/mo from completion — the no.1 reason to invest
14.25% return before costs — above-market
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+$397/mo
Pays you every month, net of costs
Price
$139K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$121K
Deposit + fees + refurb
Return before costson price14.25%5-yr return on cash 19%Rent est. $1,651 ($1,551–$1,757)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,551–$1,757/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $34,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $139,000 asking ($83,400). Raw model: $57,215–$107,355. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $104,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$397
after mortgage, operating costs & tax
Rent in$1,651/mo
$1,588Collected
$1,588/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$694Mortgage$561Costs$397Your profit
$397/mo left as profit · 25% of rent kept
Mortgage$694
Costs$561
Management$165
Maintenance$67
Insurance$20
CapEx reserve$83
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$397
Returns
Return before costson price14.25%
Cash returnon cash3.92%
Gross margin$1,027
Cash needed$121,278
Monthly profit payback25y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.23
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$19,812
$6,729
$8,323
$0
$904
$3,856
$3,856
Year 2
$20,406
$6,931
$8,323
$0
$979
$4,173
$8,029
Year 3
$21,019
$7,139
$8,323
$0
$1,056
$4,501
$12,530
Year 4
$21,649
$7,353
$8,323
$0
$1,135
$4,838
$17,368
Year 5
$22,299
$7,574
$8,323
$0
$1,216
$5,186
$22,554
Year 5 disposal
Disposal gain (gross)-$77,249
CGT$0
Net Disposal proceeds$149,631
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5969.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 70 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
85/100
Strong
Real 14.25% — fundamentals work.
Monthly profit+$397/mo at 25% deposit @ 5.5%
14.25% Return before costs — above-market
Monthly cashflow
+$397/mo
Pays you every month, net of costs
Price
$139K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$121K
Deposit + fees + refurb
Return before costson price14.25%5-yr return on cash 19%Rent est. $1,651 ($1,551–$1,757)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,551–$1,757/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $34,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $139,000 asking ($83,400). Raw model: $57,215–$107,355. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $104,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$397
after mortgage, operating costs & tax
Rent in$1,651/mo
$1,588Collected
$1,588/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$694Mortgage$561Costs$397Your profit
$397/mo left as profit · 25% of rent kept
Mortgage$694
Costs$561
Management$165
Maintenance$67
Insurance$20
CapEx reserve$83
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$397
Returns
Return before costson price14.25%
Cash returnon cash3.92%
Gross margin$1,027
Cash needed$121,278
Monthly profit payback25y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.23
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$19,812
$6,729
$8,323
$0
$904
$3,856
$3,856
Year 2
$20,406
$6,931
$8,323
$0
$979
$4,173
$8,029
Year 3
$21,019
$7,139
$8,323
$0
$1,056
$4,501
$12,530
Year 4
$21,649
$7,353
$8,323
$0
$1,135
$4,838
$17,368
Year 5
$22,299
$7,574
$8,323
$0
$1,216
$5,186
$22,554
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$121K
25% deposit$34,750
Refurb$83,400
Legal + survey$1,700
Mortgage + broker$3,085
Cash needed$121,278
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice