← Back to Properties
DuplexLTR

1221 Lee St, Indianapolis, IN, 46221

Photos for this property are hosted on the MLS listing.

See Photos on Zillow →
property type
Duplex
list price
$170,000
cap rate
7.4%
cash-on-cash return
2.4%

Condition Notes

The interior I could see shows a recent refresh — fresh paint, newer flooring — and presents as rental-ready. I don't have photos of the bathrooms, the second unit, or the garage interior, so those are real open items I'd want a showing to close before you finalize anything. The standout feature here is the lot itself: a large, fully fenced corner parcel beyond the duplex footprint, with real (if unconfirmed) potential for a second structure.

↑ Back to Top

Strategy Comparison

Current rents are essentially breakeven on a managed basis, but comparable 2BR units nearby are renting $1,250–$1,300 — well above the documented $850 — so there's real rent-growth room here. Beyond the rental economics, the extra lot is worth a serious look on its own; it's the kind of optionality that doesn't show up in a cap-rate calculation but could add real value down the line.

LTR — current rents

Gross Annual Income$20,400
Cash Flow Monthly$9
Cap Rate7.4%
Cash-on-Cash Return0.3%
OutlookTHIN

Conventional 20% down / 7.5% / 30-yr — this is a buy-and-hold play at documented in-place rents.

LTR — at market rent

Gross Annual Income$27,600
Cash Flow Monthly$465
Cap Rate10.5%
Cash-on-Cash Return15%
OutlookSTRONG

Conventional 20% down / 7.5% / 30-yr — same financing, modeled at market rents once in-place leases turn over.

↑ Back to Top

Comps

Sale Comps

Both support the $180,000 duplex-only estimate for the subject.

Rent Comps

AddressRentConfigSource
771 Haugh St$1,2502BR/1BAApartments.com
815 N Centennial St$1,3002BR/1BAApartments.com

The current $850/mo rent looks 30%+ under market for a comparable 2BR unit nearby.

↑ Back to Top

The Numbers

Deal Terms
Purchase Price
$170,000
Down Payment
20%
Interest Rate
7.5%
Loan Term
30 yrs
Closing Costs
$5,100
Repair Budget
$6,000
Monthly Rent
$1,700
Annual Property Tax
$2,790
Annual Insurance
$0
Monthly HOA
$0
Property Management
10%
Maintenance Reserve
5%
Vacancy Reserve
5%
CapEx Reserve
5%
Projected Performance
Loan Amount
$136,000
Total Cash Invested
$45,100
Monthly P&I
$951
Monthly Operating Exp.
$658
Monthly Cash Flow
$92
Annual Cash Flow
$1,099
Cap Rate
7.4%
Cash-on-Cash Return
2.4%
ARV Estimate
$180,000
↑ Back to Top
↑ Back to Top

Want to Talk Through This Deal?

Happy to walk through the numbers, the strategy, or anything else about this property.

Let's TalkEmail Me

This analysis is provided for informational purposes only and does not constitute financial, legal, or investment advice. All figures are estimates based on available data and independent research at the time of preparation; they are not guaranteed and should be independently verified before making any purchase decision. Consult your own financial, legal, and tax advisors before acting on this information.