111 Clover LnAmberOK73004
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Amber rental at 111 Clover Ln, Amber, OK, 73004 sits in the solid-income band: 9.51% gross yield, $1,189/mo rent, $231/mo net after the $674/mo debt service, DSCR 1.76. Entry price of $149,999 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,442 and $1,382/yr in principal reduction bring total cumulative return to $71,948.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $231 | $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 | $1,189 |
| Total Monthly Debt Service | $898 |
| DSCR Ratio | 1.32x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2018
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73004, Amber, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 416 (100%) |
| Owner Occupied HU | 289 (69.5%) |
| Renter Occupied HU | 76 (18.3%) |
| Vacant Housing Units | 51 (12.3%) |
| Median Home Value | $184,896 |
| Average Home Value | $212,751 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
28
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
Manufactured
Built in 2018
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73004, Amber, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 416 (100%) |
| Owner Occupied HU | 289 (69.5%) |
| Renter Occupied HU | 76 (18.3%) |
| Vacant Housing Units | 51 (12.3%) |
| Median Home Value | $184,896 |
| Average Home Value | $212,751 |
Housing Distribution
Address Breakdown
Residential
321
Single Family
321
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices