1402 E Cedar DrStillwaterOK74075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1402 E Cedar Dr, Stillwater, OK, 74075 in Stillwater is narrow, $84/mo net on $1,478/mo rent after the $989/mo debt service, but the property operates at break-even-plus, not a loss. At $219,999 with a 8.33% yield, the long-run equity case via 5% appreciation ($60,782 over five years) and $2,026/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $86,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $84 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,478 |
| Total Monthly Debt Service | $1,356 |
| DSCR Ratio | 1.09x |
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 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74075, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,530 (100%) |
| Owner Occupied HU | 4,161 (33.2%) |
| Renter Occupied HU | 6,451 (51.5%) |
| Vacant Housing Units | 1,918 (15.3%) |
| Median Home Value | $277,649 |
| Average Home Value | $337,380 |
Housing Distribution
Address Breakdown
Residential
11,931
Single Family
9,706
Multi-Family
2,225
Businesses
581
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 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74075, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,530 (100%) |
| Owner Occupied HU | 4,161 (33.2%) |
| Renter Occupied HU | 6,451 (51.5%) |
| Vacant Housing Units | 1,918 (15.3%) |
| Median Home Value | $277,649 |
| Average Home Value | $337,380 |
Housing Distribution
Address Breakdown
Residential
11,931
Single Family
9,706
Multi-Family
2,225
Businesses
581
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hailey Payne • Okie Homes Realty, LLC
Mls Name: Stillwater MLS
Mls Provider:
Mls ID: #131790
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.