The lowest price is over $3,000 and the average is around $4,000.

And how long on average would you say it took you to become the owner and take possession of the properties (to flip or rent them I suppose) from the moment you purchased the debt? 

And return to investor apr was 23.3 % I made the rest. this deal start to finish was 88 days.. average though is closer o 120 to 140 of course. 

In general, Indianapolis is currently a Seller's market with an average of 9 days on market.

So I made a compromise with myself, instead of putting that $100 directly to my principle, I'm opening a brokerage account that will have $100 deposited into it automatically every month and invested in index funds using dollar cost averaging method.

AirDNA (I always check multiple places) says this property could make a $500 average daily rate (ADR), with 65% occupancy as a basis.I pulled up the new BiggerPockets STR calculator spreadsheet and realized this might be a winner.After entering all of my research numbers, it shows a potential CoC of 12.49%, a monthly profit of $14,385, and expenses of $12,442 (even with a 15% management fee).

Have them give you their opinions of the different areas, look at the incomes and average home prices. 

That brings it to $130K a year.In Jan 2023 my average days on market is 83, my average sale price is $367,000 and the average commission was 2.5 percent.  

If that baseline average is an acceptable figure, then go a few notches up from there with your design and amenities and you should do well. 

If average 30 year fixed loan rates reach the mid 5%'s many of the NON-QM mortgage programs that are currently rate prohibitive will also become more workable as cash flow and return ratios improve.