Chris Lin
Deep Analysis Report
3823 Rockville Rd
Indianapolis, IN, 46222
This property at $115,000 presents an exceptional investment opportunity, offering a 20.9% leveraged cash-on-cash return for rental and a 38.2% flip ROI. The market shows strong price appreciation, and the area boasts a healthy 22.9% rent-to-income ratio, indicating good affordability and tenant stability. An offer up to $130,000 still provides excellent returns for either strategy.
Finance = rehab joins the hard-money loan principal (under the ARV cap) and accrues interest.
system est. 10 mo (≈5 reno + 5 to sell)
Flip P&L
Rehab paid in cash| Sale Price (ARV) | $208,000estimated sale price |
| − Purchase Price | −$115,000 |
| − Rehab | −$10,000paid in cash · no interest |
| − Financing Interest | −$9,780$978/mo × 10 mo · loan $97,750 @ 12.0%/yr |
| − Tax & Insurance | −$3,690$369/mo × 10 mo |
| − Selling Costs | −$16,6406% commission + 2% closing · 8% of ARV |
| Net Profit | $52,890+38.2% ROI on $138,470 all-in |
Hold period: 10 months
Financing the rehab instead would cost $1,001 in extra carry (net profit $52,890 → $51,889). Use the funding toggle to compare.
Flip Max Offer Thresholds
| Strategy | Target ROI | Max Offer |
|---|---|---|
| Current Ask (subject property) | 38.2%$53K ÷ $138K | $115,000 |
| Minimum threshold | 20% ROI | $134,356 |
| Conservative target | 25% ROI | $128,477 |
How are Max Offer thresholds calculated?
Profit ÷ All-In = r
with All-In = P + rehab + ADU + carry(P) + origination(P),
and Profit = ARV − All-In − selling cost.Max @ 20% → $134,356 · Max @ 25% → $128,477
| Line Item | Monthly | Annual |
|---|---|---|
| Mortgage Payment (P&I) | $559 | $6,713 |
| Insurance | $72 | $863 |
| Property Tax | $147 | $1,764 |
| Maintenance Reserve | $48 | $575 |
| Property Management | $163 | $1,956 |
| Vacancy Reserve | $82 | $978 |
| Total Expenses | $1,071 | $12,848 |
| Est. Rent Income | $1,630 | $19,560 |
| Net Cash Flow | +$559/mo | +$6,712/yr |
Rental Max Offer Thresholds
| Strategy | Target CoC | Max Offer |
|---|---|---|
| Minimum threshold | 10% CoC | $150,338 |
| Conservative target | 12% CoC | $142,327 |
Max offer reflects property fundamentals; one-time costs are not included.
Comparable Rentals (20)
Values colored green = favorable vs. subject · red = unfavorable vs. subject
Market Trend Indicators
Positive cash flow at asking price and your current rate ($560/mo)
good rate buffer
historically stable appreciation
Flip ROI of 38% meets typical 20% investor threshold
Zip code prices trending up 48% over 12 months
Amenity Access Score
This report is generated for informational purposes only and does not constitute financial, legal, or investment advice. All projections are estimates based on available market data as of May 7, 2026. Verify all figures with licensed professionals prior to acquisition.
Cylier
Real Estate Investment Intelligence
AI-powered investment analysis backed by real market data.
© 2026 Cylier. All rights reserved.