207 209 1/2 NStillwaterOK74075
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 207 209 1/2 N, Stillwater, OK, 74075 in Stillwater the bet is firmly on appreciation. Rental yield 3.88%. The 3.88% gross yield on a $295,000 price is below income-first thresholds, but 5%/yr value growth projects $81,503 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.72) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $52,242.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.8% |
| Monthly Cash Flow | $(930) | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $954 |
| Total Monthly Debt Service | $1,767 |
| DSCR Ratio | 0.54x |
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.
Multi Family
Built in 1940
7,371 sqft 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
Multi Family
Built in 1940
7,371 sqft 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: Page Provence • Fisher Provence, REALTORS
Mls Name: Stillwater MLS
Mls ID: #133708