12620 S State Highway 48ColemanOK73432
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 12620 S State Highway 48, Coleman, OK, 73432 in Coleman at $200,000, 5.44% gross yield, is a market-growth asset. Rental yield 5.44%. The $907/mo rent partially funds the $899/mo debt service; the core return is the 5%/yr price growth projected to add $55,256 over five years. Ziffy Mortgage's DSCR mortgage (1.01) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $52,235.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(370) | $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 | $907 |
| Total Monthly Debt Service | $1,198 |
| DSCR Ratio | 0.76x |
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 2010
6.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73432, Coleman, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 276 (65.4%) |
| Renter Occupied HU | 78 (18.5%) |
| Vacant Housing Units | 68 (16.1%) |
| Median Home Value | $170,536 |
| Average Home Value | $218,949 |
Housing Distribution
Address Breakdown
Residential
385
Single Family
385
Multi-Family
0
Businesses
27
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 2010
6.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73432, Coleman, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 276 (65.4%) |
| Renter Occupied HU | 78 (18.5%) |
| Vacant Housing Units | 68 (16.1%) |
| Median Home Value | $170,536 |
| Average Home Value | $218,949 |
Housing Distribution
Address Breakdown
Residential
385
Single Family
385
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices