109615 Harmon RdDeer CreekOK74636
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 109615 Harmon Rd, Deer Creek, OK, 74636 in Deer Creek fits: $450,000, 3.84% gross yield, and a projected 5% annual appreciation rate adding $124,327 in value within five years. Rental yield 3.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.68) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,772/yr in principal paydown and $124,327 in appreciation project a total return of $70,314.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(1,434) | $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 | $1,440 |
| Total Monthly Debt Service | $2,804 |
| DSCR Ratio | 0.51x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74636, Deer Creek, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 99 (100%) |
| Owner Occupied HU | 55 (55.6%) |
| Renter Occupied HU | 24 (24.2%) |
| Vacant Housing Units | 20 (20.2%) |
| Median Home Value | $145,833 |
| Average Home Value | $181,636 |
Housing Distribution
Address Breakdown
Residential
95
Single Family
95
Multi-Family
0
Businesses
6
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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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Listed by: Garry Bilger • Bilger Real Estate Co Inc.
Mls Name: My State MLS
Mls ID: #11630365
