101 S CommerceAllenOK74825
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 101 S Commerce, Allen, OK, 74825 in Allen earns a 11.46% gross yield at $117,400. Rent of $1,121/mo nets $371/mo after the $528/mo mortgage. The 2.12 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $32,435 and $1,081/yr in equity accumulation project a total cumulative return of $68,503.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $371 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,121 |
| Total Monthly Debt Service | $703 |
| DSCR Ratio | 1.59x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1984
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74825, Allen, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 990 (100%) |
| Owner Occupied HU | 605 (61.1%) |
| Renter Occupied HU | 178 (18.0%) |
| Vacant Housing Units | 207 (20.9%) |
| Median Home Value | $120,139 |
| Average Home Value | $178,293 |
Housing Distribution
Address Breakdown
Residential
700
Single Family
700
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1984
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74825, Allen, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 990 (100%) |
| Owner Occupied HU | 605 (61.1%) |
| Renter Occupied HU | 178 (18.0%) |
| Vacant Housing Units | 207 (20.9%) |
| Median Home Value | $120,139 |
| Average Home Value | $178,293 |
Housing Distribution
Address Breakdown
Residential
700
Single Family
700
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices