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DuplexLTR

4312 Norwaldo Ave, Indianapolis, IN, 46205

Photos for this property are hosted on the MLS listing.

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property type
Duplex
list price
$175,000
cap rate
8.4%
cash-on-cash return
5.6%

Condition Notes

This one genuinely fits the listing's "could use some TLC" description — dated popcorn ceilings and builder-white paint throughout the vacant unit, and no stove or refrigerator currently installed, so budget for those. Flooring is a mix of refinished hardwood and newer laminate, suggesting a partial update at some point. The bathroom is dated but clean and functional. I noticed some staining near the basement stairs that's worth a moisture or foundation check — could be minor, but I'd confirm before you close.

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Strategy Comparison

This is a light value-add play: refresh the vacant side, get both units to a $1,000/mo-ish market rent, and you have a solid hold in what's generally regarded as the strongest close-in Indianapolis township in this group. One more thing worth mentioning: this property sits just steps from the Indiana State Fairgrounds, which hosts the State Fair, concerts, and other events throughout the year. That's a real, if unconfirmed, short-term-rental angle worth exploring — I don't have fairgrounds-specific occupancy data to underwrite it as a number yet, but it's a genuine differentiator for this specific location that the other properties in this batch don't have.

LTR — after repairs, at market rent

Gross Annual Income$24,000
Cash Flow Monthly$242
Cap Rate8.4%
Cash-on-Cash Return5.6%
OutlookVIABLE

Conventional 20% down / 7.5% / 30-yr — this is a light value-add hold, financed conventionally.

Cash flow and/or cash-on-cash return here are estimated from standard assumptions, not yet underwritten to a hard number for this strategy.

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Comps

Sale Comps

AddressSqftPriceConfigStatus
3105 Guilford Ave, 462052,928$280,0002BR/1.5BA x2sold

Confirmed small-unit sold comps in this exact footprint were not available — treat the ARV as directional.

Rent Comps

AddressRentSqftConfigSource
3290 Ralston Ave, 46205$1,3006252BRApartments.com

Even a smaller comp unit beats the current $950/mo — real upside on both sides once refreshed.

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The Numbers

Deal Terms
Purchase Price
$175,000
Down Payment
20%
Interest Rate
7.5%
Loan Term
30 yrs
Closing Costs
$5,250
Repair Budget
$12,000
Monthly Rent
$2,000
Annual Property Tax
$3,348
Annual Insurance
$0
Monthly HOA
$0
Property Management
10%
Maintenance Reserve
5%
Vacancy Reserve
5%
CapEx Reserve
5%
Projected Performance
Loan Amount
$140,000
Total Cash Invested
$52,250
Monthly P&I
$979
Monthly Operating Exp.
$779
Monthly Cash Flow
$242
Annual Cash Flow
$2,905
Cap Rate
8.4%
Cash-on-Cash Return
5.6%
ARV Estimate
$175,000
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Want to Talk Through This Deal?

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

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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.