1315 S 7th StPonca CityOK74601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Ponca City rentals match the income profile of 1315 S 7th St, Ponca City, OK, 74601. Listed at $199,000, gross rent is $1,814/mo and net cash flow is $544/mo, a 10.94% yield well above national averages. DSCR 2.03 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $54,980 by year five with $1,833/yr in annual principal reduction, projecting $110,610 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $544 | $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 | $1,814 |
| Total Monthly Debt Service | $1,192 |
| DSCR Ratio | 1.52x |
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.
Single Family
Built in 1928
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74601, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,925 (100%) |
| Owner Occupied HU | 4,136 (46.3%) |
| Renter Occupied HU | 3,165 (35.5%) |
| Vacant Housing Units | 1,624 (18.2%) |
| Median Home Value | $95,506 |
| Average Home Value | $124,651 |
Housing Distribution
Address Breakdown
Residential
8,039
Single Family
7,901
Multi-Family
138
Businesses
949
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 1928
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74601, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,925 (100%) |
| Owner Occupied HU | 4,136 (46.3%) |
| Renter Occupied HU | 3,165 (35.5%) |
| Vacant Housing Units | 1,624 (18.2%) |
| Median Home Value | $95,506 |
| Average Home Value | $124,651 |
Housing Distribution
Address Breakdown
Residential
8,039
Single Family
7,901
Multi-Family
138
Businesses
949
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Becky Poet • Coldwell Banker Heritage, REALTORS
Mls Name: North Central BOR (OK)
Mls ID: #40996