115 S 4th StThomasOK73669
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing115 S 4th St, Thomas, OK, 73669 in Thomas is a stable, well-positioned rental at $215,000. Rental yield 6.62%. DSCR 1.23 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $59,401 in value and $1,980/yr in principal paydown builds equity, a total projected return of $69,772.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(186) | $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 | $1,187 |
| Total Monthly Debt Service | $1,287 |
| DSCR Ratio | 0.92x |
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.
Manufactured
Built in 1998
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73669, Thomas, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 799 (100%) |
| Owner Occupied HU | 513 (64.2%) |
| Renter Occupied HU | 167 (20.9%) |
| Vacant Housing Units | 119 (14.9%) |
| Median Home Value | $151,964 |
| Average Home Value | $172,047 |
Housing Distribution
Address Breakdown
Residential
494
Single Family
494
Multi-Family
0
Businesses
74
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 1998
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73669, Thomas, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 799 (100%) |
| Owner Occupied HU | 513 (64.2%) |
| Renter Occupied HU | 167 (20.9%) |
| Vacant Housing Units | 119 (14.9%) |
| Median Home Value | $151,964 |
| Average Home Value | $172,047 |
Housing Distribution
Address Breakdown
Residential
494
Single Family
494
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy Green • Green Real Estate LLC
Mls Name: MLSOK/OKCMAR
Mls Provider:
Mls ID: #1169557
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