11795 E Highway 20SpavinawOK74366
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing11795 E Highway 20, Spavinaw, OK, 74366 in Spavinaw is a stable, well-positioned rental at $160,000. Rental yield 6.36%. DSCR 1.18 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $44,205 in value and $1,474/yr in principal paydown builds equity, a total projected return of $49,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(173) | $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 | $848 |
| Total Monthly Debt Service | $958 |
| DSCR Ratio | 0.89x |
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 1940
12.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74366, Spavinaw, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 521 (56.6%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 266 (28.9%) |
| Median Home Value | $170,703 |
| Average Home Value | $200,797 |
Housing Distribution
Address Breakdown
Residential
432
Single Family
432
Multi-Family
0
Businesses
23
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 1940
12.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74366, Spavinaw, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 521 (56.6%) |
| Renter Occupied HU | 134 (14.5%) |
| Vacant Housing Units | 266 (28.9%) |
| Median Home Value | $170,703 |
| Average Home Value | $200,797 |
Housing Distribution
Address Breakdown
Residential
432
Single Family
432
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices