206 N River StCommerceOK74339
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 206 N River St, Commerce, OK, 74339 in Commerce earns a 11.48% gross yield at $110,500. Rent of $1,057/mo nets $352/mo after the $497/mo mortgage. The 2.13 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $30,529 and $1,018/yr in equity accumulation project a total cumulative return of $64,641.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $352 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,057 |
| Total Monthly Debt Service | $662 |
| DSCR Ratio | 1.60x |
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 1948
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74339, Commerce, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 980 (100%) |
| Owner Occupied HU | 534 (54.5%) |
| Renter Occupied HU | 280 (28.6%) |
| Vacant Housing Units | 166 (16.9%) |
| Median Home Value | $70,641 |
| Average Home Value | $98,371 |
Housing Distribution
Address Breakdown
Residential
921
Single Family
920
Multi-Family
1
Businesses
93
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 1948
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74339, Commerce, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 980 (100%) |
| Owner Occupied HU | 534 (54.5%) |
| Renter Occupied HU | 280 (28.6%) |
| Vacant Housing Units | 166 (16.9%) |
| Median Home Value | $70,641 |
| Average Home Value | $98,371 |
Housing Distribution
Address Breakdown
Residential
921
Single Family
920
Multi-Family
1
Businesses
93
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices