1108 N Ann StGraniteOK73547
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1108 N Ann St, Granite, OK, 73547 in Granite the bet is firmly on appreciation. Rental yield 5.57%. The 5.57% gross yield on a $549,000 price is below income-first thresholds, but 5%/yr value growth projects $151,679 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.03) 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: $147,013.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.2% |
| Monthly Cash Flow | $(958) | $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 | $2,548 |
| Total Monthly Debt Service | $3,288 |
| DSCR Ratio | 0.78x |
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.
Single Family
Built in 2022
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73547, Granite, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 650 (100%) |
| Owner Occupied HU | 334 (51.4%) |
| Renter Occupied HU | 125 (19.2%) |
| Vacant Housing Units | 191 (29.4%) |
| Median Home Value | $117,667 |
| Average Home Value | $167,425 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
301
Multi-Family
16
Businesses
32
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 2022
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73547, Granite, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 650 (100%) |
| Owner Occupied HU | 334 (51.4%) |
| Renter Occupied HU | 125 (19.2%) |
| Vacant Housing Units | 191 (29.4%) |
| Median Home Value | $117,667 |
| Average Home Value | $167,425 |
Housing Distribution
Address Breakdown
Residential
317
Single Family
301
Multi-Family
16
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices