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DuplexLTR

6203 E 12th St, Indianapolis, IN, 46219

Photos for this property are hosted on the MLS listing.

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property type
Duplex
list price
$174,000
cap rate
8%
cash-on-cash return
5.2%

Condition Notes

This unit presents as turnkey and rent-ready — fresh paint, clean updated flooring, and a tidy kitchen and bathroom in the photos, which were taken prior to the current tenant moving in. Being built in 1966, it's meaningfully newer construction than most of what's in this group, with no basement to worry about. I didn't see anything in the photos pointing to deferred maintenance.

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Strategy Comparison

Both units are already leased at rents that match what comparable 2BR units are getting nearby, and the tenants pay all utilities — you only carry property taxes. That's a clean, low-maintenance income structure, but there isn't much room to force additional value through rent growth. Given the comp data, I'd lean toward a modest offer below the $174,000 ask rather than paying full price.

LTR — current rents (already at market)

Gross Annual Income$23,088
Cash Flow Monthly$110
Cap Rate8%
Cash-on-Cash Return4%
OutlookVIABLE

Conventional 20% down / 7.5% / 30-yr — this is a turnkey buy-and-hold, financed conventionally.

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Comps

Sale Comps

AddressSqftPriceConfigStatus
6189-6191 Nimitz Dr, 462191,742$161,000 sold ($80,500/door)2BR/1BA ×2sold
330 S Emerson Ave, 462192,930$220,000 list4BR/2BAactive

The best-matched comp supports a value at or below the asking price.

Rent Comps

AddressRentSqftConfigSource
5131 E Burgess Ave, 46219$9998162BRApartments.com
2245 Admiral Dr, 46219$9008162BRApartments.com

Current rents of $999 and $925 already sit at the top of this comp range.

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The Numbers

Deal Terms
Purchase Price
$174,000
Down Payment
20%
Interest Rate
7.5%
Loan Term
30 yrs
Closing Costs
$5,220
Repair Budget
$4,000
Monthly Rent
$1,924
Annual Property Tax
$3,344
Annual Insurance
$0
Monthly HOA
$0
Property Management
10%
Maintenance Reserve
5%
Vacancy Reserve
5%
CapEx Reserve
5%
Projected Performance
Loan Amount
$139,200
Total Cash Invested
$44,020
Monthly P&I
$973
Monthly Operating Exp.
$760
Monthly Cash Flow
$191
Annual Cash Flow
$2,292
Cap Rate
8%
Cash-on-Cash Return
5.2%
ARV Estimate
$170,000
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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.