1020 S 8th StPonca CityOK74601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1020 S 8th St, Ponca City, OK, 74601 in Ponca City is listed at $195,000 and delivers $1,464/mo in rent and $219/mo in net monthly cash flow. The 9.01% yield and 1.67 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $53,875 over five years, and $1,796/yr in principal reduction supplements cash return. Total projected cumulative return: $88,213.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $219 | $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 | $1,464 |
| Total Monthly Debt Service | $1,168 |
| DSCR Ratio | 1.25x |
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 1930
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74601, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,925 (100%) |
| Owner Occupied HU | 4,136 (46.3%) |
| Renter Occupied HU | 3,165 (35.5%) |
| Vacant Housing Units | 1,624 (18.2%) |
| Median Home Value | $95,506 |
| Average Home Value | $124,651 |
Housing Distribution
Address Breakdown
Residential
8,039
Single Family
7,901
Multi-Family
138
Businesses
949
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 1930
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74601, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,925 (100%) |
| Owner Occupied HU | 4,136 (46.3%) |
| Renter Occupied HU | 3,165 (35.5%) |
| Vacant Housing Units | 1,624 (18.2%) |
| Median Home Value | $95,506 |
| Average Home Value | $124,651 |
Housing Distribution
Address Breakdown
Residential
8,039
Single Family
7,901
Multi-Family
138
Businesses
949
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Becky Poet • Coldwell Banker Heritage, REALTORS
Mls Name: North Central BOR (OK)
Mls ID: #40402