103098 N 3750th RdOkemahOK74859
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 103098 N 3750th Rd, Okemah, OK, 74859 in Okemah the bet is firmly on appreciation. Rental yield 2.95%. The 2.95% gross yield on a $1,300,000 price is below income-first thresholds, but 5%/yr value growth projects $359,166 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.52) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $140,683.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(5,111) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,191 |
| Total Monthly Debt Service | $8,102 |
| DSCR Ratio | 0.39x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2015
6.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74859, Okemah, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,854 (100%) |
| Owner Occupied HU | 1,612 (56.5%) |
| Renter Occupied HU | 714 (25.0%) |
| Vacant Housing Units | 528 (18.5%) |
| Median Home Value | $134,127 |
| Average Home Value | $190,613 |
Housing Distribution
Address Breakdown
Residential
2,448
Single Family
2,400
Multi-Family
48
Businesses
300
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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
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