194864 N 4410th RdRingoldOK74754
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 194864 N 4410th Rd, Ringold, OK, 74754 in Ringold is capital appreciation. Rental yield 5.38%. The 5.38% gross yield at $289,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $79,845 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.00) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $74,428.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(550) | $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 | $1,296 |
| Total Monthly Debt Service | $1,731 |
| DSCR Ratio | 0.75x |
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.
Single Family
Built in 2024
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74754, Ringold, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 78 (57.8%) |
| Renter Occupied HU | 17 (12.6%) |
| Vacant Housing Units | 40 (29.6%) |
| Median Home Value | $122,222 |
| Average Home Value | $184,038 |
Housing Distribution
Address Breakdown
Residential
155
Single Family
155
Multi-Family
0
Businesses
17
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 2024
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74754, Ringold, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 135 (100%) |
| Owner Occupied HU | 78 (57.8%) |
| Renter Occupied HU | 17 (12.6%) |
| Vacant Housing Units | 40 (29.6%) |
| Median Home Value | $122,222 |
| Average Home Value | $184,038 |
Housing Distribution
Address Breakdown
Residential
155
Single Family
155
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices