105325 S 4308th RdChecotahOK74426
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 105325 S 4308th Rd, Checotah, OK, 74426 in Checotah is narrow, $138/mo net on $920/mo rent after the $581/mo debt service, but the property operates at break-even-plus, not a loss. At $122,500 with a 9.01% yield, the long-run equity case via 5% appreciation ($33,844 over five years) and $1,027/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.58 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $53,142.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $138 | $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 | $920 |
| Total Monthly Debt Service | $763 |
| DSCR Ratio | 1.21x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2005
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74426, Checotah, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,024 (100%) |
| Owner Occupied HU | 3,169 (52.6%) |
| Renter Occupied HU | 927 (15.4%) |
| Vacant Housing Units | 1,928 (32.0%) |
| Median Home Value | $160,237 |
| Average Home Value | $192,132 |
Housing Distribution
Address Breakdown
Residential
4,082
Single Family
3,961
Multi-Family
121
Businesses
370
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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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