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Are Rates Making Their Final Decent?
Indy Investor Update #109 | Trump & Interest Rates, Leasing Out Rentals in August, This Week's Deals, and more!
Tyler Lingle
August 15, 2025
4 minute read | Trump & Interest Rates, Leasing Out Rentals in August, This Week's Deals, and more!
Big News in Real Estate: President Trump fired the head of the Bureau of Labor Statistics (BLS), as he claimed they had been giving out misleading data. Then, the BLS released a negative July report showing the US added only 74K jobs in July. Inflation is holding steady, and not showing signs of rearing it’s ugly head. July showed inflation flat at 2.7% YoY.
What any of this mean for Indy Investors? Well, the Fed is now expected to cut the Federal Funds Rate 2-3 additional times, and this is now a very high probability. This will bring down credit card rates, car loan rates, etc. Mortgage rates, however, follow the 10-year treasury yield which is already starting to react…
Rates have moved down to their lowest levels since October ‘24. (6.58%)
Meanwhile, Inventory is rebounding, but not yet surpassing 2019 levels (in Indiana). We are up ~22% YoY in housing supply, which is a very GOOD thing here locally.
NAR released forecasts for 2026, which were incredibly positive:
2026 looking to be a strong year in RE — both in appreciation & transaction volume
Indiana is up 22% in housing supply on the year
Indiana & much of the Northeast is still below 2019 housing supply levels
Today’s mortgage rate: 6.58% - Continued downward pressure on rates
Indiana has around 2 month’s of inventory on the market — AKA not a buyer’s market but perception is everything!
Real Estate Consulting & Advising
We spend all day every day looking at numbers, sifting through crappy deals to find the 2% worth looking at.
If you want an unbiased opinion on where to focus, where to start, how to start, schedule a time to chat on my Calendly.
No payments needed! Anyone can grab a slot on my calendar for 30 minutes!
This Week’s Deals 🔥
Hand-picked deals both on and off-market!
‼️ Agents, wholesalers, investors, homeowners: Want your deal featured to our 2000+ subscribers in the Indy area? Email me your deal and we will get it on here if it looks like a good fit.
Deal #1: House-Hack Duplex in SOBRO
One side vacant, one side rented $1450
3 bedrooms, 1.5 ba per side
Market rents $1600 / side
Asking $349,900
Deal #2: Irvington Single Family Rental for $150k(!)
Asking $150,000
Rented for $1050 / month
A lot of value add potential for someone who can wait out the lease and renovate this Irvington gem
Deal #3: 1/1 Fountain Square Duplex
Tenanted duplex with an attractive price point; 1 bedroom, 1 bathroom per side
One side Mo to Mo, other side on a 2 year lease; Rents are $850 and $775 respectively for a healthy 1% Rule
Value-add opportunities
Asking $155,000
Deal #4: Single Family Deal in Plainfield
Asking $278,000
3 beds, 3 bathrooms
Great play for someone looking to live-in and rent bedrooms out!
As always, this is just a sprinkling of what’s out there. If you are looking for something specific, reply with your specific Buy Box and an expert buyer’s agent on our team will get hunting for you once a connection has been made!
Leasing out a rental in August… TOUGH.
Not going to lie. The rental game is rough in August. I’m seeing shockingly strong properties sit for weeks and weeks on Zillow up for rent. Just that time of the year when school is back in session and the moving season goes quiet.
I listed our new build duplex in the Brookside area for $1950 / side.
ZERO bites for multiple weeks.
➡️ Moved it down to $1800
➡️ Took better pictures and edited on iPhone
➡️ Re-wrote the property description, added virtual walkthrough.
➡️ Put a For Rent sign out —> 2 applicants almost immediately.
Do not rely on your PM to do everything for you, folks. They won’t. They’ll let you down nearly every time.
Only you will care for your investment property like you would. Sometimes it takes coaching the PM up right, sometimes it takes rolling up your sleeves when you have to. The reality is REAL ESTATE IS NOT A PASSIVE INVESTMENT. It takes investment of your time, at times.
We can always apply leverage like 3rd party PM, employees, software, but I’ve found that you always have to put some old fashioned sweat equity into the mix to get adequate results.
Here’s a walkthrough through mine… $475,000 and you get a new build duplex! Reach out if you’re interested in new development. We have a handful of builders at our disposal.
🎙️ The Best Content I’ve Consumed This Week
Alright you guys know that I like to be dialed in with the content I’m consuming both on the person growth & real estate side… Here’s my top recommendations for this week.
Tim Ferriss on My First Million Podcast — Exceptional listen and a lot of great reflection on when enough is enough with building wealth / accumulation versus contentment. I got a ton out of this one!
Dave Short - Flipping legend on the Roots Podcast! I LOVED hearing about Dave’s unique strategy for sourcing off market deals (hint: NO paid marketing at all) and what his buy box is for Indy flips.
Upcoming Events in Indy for the Investor-Minded!
Our real estate events are always a ton of fun. Laid back, just authentic conversation about real estate, life, and everything in between! They are free and open to anyone, especially the curious.
Thursday, Sept 18th — 4-5:30pm — Real Estate Happy Hour w/ Roots co-sponsored by Neu Real Estate Group & Mamba Mortgage. Find details here!
December Real Estate Masterclass @ Guggman Haus Brewing — Thursday, December 4th, Panelists TBD. Find details here!
New to Real Estate & not sure where to start?
I got your game plan!
Start by opening your mind and thinking bigger. Rich Dad, Poor Dad. Alex Hormozi. The Roots Podcast. BiggerPockets publishing. Whatever speaks to you!
Schedule a time to chat with us… You do not need to have any experience at all to chat with us! We start from the very beginning even if that means getting educated, building your credit, or simply bouncing ideas off someone!
Check out our Indy Investor Guides & Course. We have a series of videos breaking down how we analyze, run numbers, and maps breaking down the various areas of Indianapolis.
Get a mentor. Preferably someone close to your network that you can offer value, and gain wisdom from in exchange. Do what they say. Don’t know where to find a mentor? Come to our networking events!
Thanks for the read!
I started in real estate in mid-2021 after 4 years teaching in inner-city Indy. I found a passion for real estate after house hacking on Indy’s eastside. In 2023, a partner and I started Roots Realty Co.
Roots is a brokerage team part of the @properties brokerage in Indianapolis. We specialize in helping homeowners & investors Plant Roots & Build Wealth. We offer unique insights into Indy / Investing but also one-of-a-kind networking and education events. Come meet us…
Book a time to chat to delve into your goals! Whether you’re a seasoned vet or complete newbie to all of this.
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