1605 W Liberty AveStillwaterOK74075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1605 W Liberty Ave, Stillwater, OK, 74075 in Stillwater: $2,612/mo in rent, $287/mo in net income, 8.61% gross yield, 1.60 DSCR, all at $364,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $100,566 in appreciation and $3,352/yr in principal paydown projects total cumulative return of $156,860.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $287 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
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 | $2,612 |
| Total Monthly Debt Service | $2,180 |
| DSCR Ratio | 1.20x |
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 1976
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 1976
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: N/A • N/A
Mls Name: Stillwater MLS
Mls ID: #134321