19908 E 32nd StYaleOK74085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Yale rental at 19908 E 32nd St, Yale, OK, 74085 sits in the solid-income band: 11.87% gross yield, $1,236/mo rent, $438/mo net after the $562/mo debt service, DSCR 2.20. Entry price of $125,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $34,535 and $1,151/yr in principal reduction bring total cumulative return to $75,691.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $438 | $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 | $1,236 |
| Total Monthly Debt Service | $749 |
| DSCR Ratio | 1.65x |
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.
Manufactured
Built in 2004
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74085, Yale, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,145 (100%) |
| Owner Occupied HU | 640 (55.9%) |
| Renter Occupied HU | 296 (25.9%) |
| Vacant Housing Units | 209 (18.3%) |
| Median Home Value | $234,091 |
| Average Home Value | $249,758 |
Housing Distribution
Address Breakdown
Residential
1,050
Single Family
1,033
Multi-Family
17
Businesses
75
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 2004
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74085, Yale, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,145 (100%) |
| Owner Occupied HU | 640 (55.9%) |
| Renter Occupied HU | 296 (25.9%) |
| Vacant Housing Units | 209 (18.3%) |
| Median Home Value | $234,091 |
| Average Home Value | $249,758 |
Housing Distribution
Address Breakdown
Residential
1,050
Single Family
1,033
Multi-Family
17
Businesses
75
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Virginia Cussner • CENTURY 21 GLOBAL, REALTORS
Mls Name: Stillwater MLS
Mls Provider:
Mls ID: #132596
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.