2005 W 28th AveStillwaterOK74074
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 2005 W 28th Ave, Stillwater, OK, 74074 in Stillwater delivers $2,952/mo in gross rent and $472/mo in net monthly income at a $384,355 entry. The 9.22% yield and 1.71 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $106,190 over five years and $3,540/yr in equity from loan paydown, total projected return is $176,660.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.8% |
| Monthly Cash Flow | $472 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,952 |
| Total Monthly Debt Service | $2,326 |
| DSCR Ratio | 1.27x |
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 2026
N/A lot
$N/A/sqft
$295 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74074, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,367 (100%) |
| Owner Occupied HU | 6,229 (40.5%) |
| Renter Occupied HU | 6,512 (42.4%) |
| Vacant Housing Units | 2,626 (17.1%) |
| Median Home Value | $328,957 |
| Average Home Value | $362,411 |
Housing Distribution
Address Breakdown
Residential
14,937
Single Family
14,346
Multi-Family
591
Businesses
1,130
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 2026
N/A lot
$N/A/sqft
$295 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74074, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,367 (100%) |
| Owner Occupied HU | 6,229 (40.5%) |
| Renter Occupied HU | 6,512 (42.4%) |
| Vacant Housing Units | 2,626 (17.1%) |
| Median Home Value | $328,957 |
| Average Home Value | $362,411 |
Housing Distribution
Address Breakdown
Residential
14,937
Single Family
14,346
Multi-Family
591
Businesses
1,130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vernon Mckown, Jr. • PRINCIPAL DEVELOPMENT
Mls Name: Stillwater MLS
Mls Provider:
Mls ID: #133942
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.