118029 N 3870th RdDustinOK74839
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 118029 N 3870th Rd, Dustin, OK, 74839 in Dustin. Rental yield 2.02%. At $620,000 with 2.02% gross yield, current distributions are modest, but the 5% appreciation rate projects $171,295 in new equity by year five, complemented by $5,197/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.36) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $36,412.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.2% |
| Monthly Cash Flow | $(2,915) | $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 | $1,044 |
| Total Monthly Debt Service | $3,864 |
| DSCR Ratio | 0.27x |
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.
Manufactured
Built in 1996
100 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74839, Dustin, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 307 (100%) |
| Owner Occupied HU | 183 (59.6%) |
| Renter Occupied HU | 59 (19.2%) |
| Vacant Housing Units | 65 (21.2%) |
| Median Home Value | $77,500 |
| Average Home Value | $115,574 |
Housing Distribution
Address Breakdown
Residential
195
Single Family
195
Multi-Family
0
Businesses
14
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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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