104 S Veterans DrCoalgateOK74538
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 104 S Veterans Dr, Coalgate, OK, 74538 in Coalgate worth study. Rental yield 5.02%. The 5.02% gross yield is below cash-flow benchmarks at $239,000, but 5% annual appreciation, adding $66,031 over five years, frames this as a capital growth position. Rent of $1,001/mo partially offsets the $1,075/mo payment. Ziffy Mortgage finances appreciation-play properties (0.93 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $57,037.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(525) | $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 | $1,001 |
| Total Monthly Debt Service | $1,431 |
| DSCR Ratio | 0.70x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74538, Coalgate, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,809 (100%) |
| Owner Occupied HU | 1,010 (55.8%) |
| Renter Occupied HU | 472 (26.1%) |
| Vacant Housing Units | 327 (18.1%) |
| Median Home Value | $100,250 |
| Average Home Value | $148,465 |
Housing Distribution
Address Breakdown
Residential
1,715
Single Family
1,691
Multi-Family
24
Businesses
191
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
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74538, Coalgate, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,809 (100%) |
| Owner Occupied HU | 1,010 (55.8%) |
| Renter Occupied HU | 472 (26.1%) |
| Vacant Housing Units | 327 (18.1%) |
| Median Home Value | $100,250 |
| Average Home Value | $148,465 |
Housing Distribution
Address Breakdown
Residential
1,715
Single Family
1,691
Multi-Family
24
Businesses
191
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices