Indianapolis, IN DSCR Calculator
Calculate the debt service coverage ratio (DSCR) for any rental property in Indianapolis. Based on current Indianapolis market data.
Indianapolis Market Snapshot
$230,000
$1,250/mo
7.2%
1.1%
$10,395
0.79
Based on median price, 25% down, 6.5% rate, 30-year term.
Run Your Indianapolis Numbers
Plug in any Indianapolis property to get DSCR, NOI, cash flow, and more.
How DSCR Works in Indianapolis
The Indianapolis rental market has a median home price of $230,000 and median rent of $1,250/month, which puts the average debt service coverage ratio (DSCR) at roughly 7.2% for a typical single-family rental. That means for every dollar of property value, you can expect about 7.2 cents in annual net income before debt service.
With a 25% down payment ($57,500) and a 6.5% mortgage rate, a median Indianapolis rental generates roughly $10,395/yr in NOI against $13,080/yr in debt service, giving you a DSCR of 0.79. That's below breakeven at median price — look for deals 15-20% below median or properties with above-average rents.