215 S Main StVeraOK74082
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 215 S Main St, Vera, OK, 74082 in Vera is a conservative rental investment at $205,000. Rental yield 6.67%. A 1.24 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $56,638; $1,888/yr in principal paydown supplements. Total projected return: $67,053.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(169) | $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 | $1,140 |
| Total Monthly Debt Service | $1,228 |
| DSCR Ratio | 0.93x |
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 1940
8,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74082, Vera, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 69 (100%) |
| Owner Occupied HU | 57 (82.6%) |
| Renter Occupied HU | 10 (14.5%) |
| Vacant Housing Units | 2 ( 2.9%) |
| Median Home Value | $383,333 |
| Average Home Value | $400,044 |
Housing Distribution
Address Breakdown
Residential
80
Single Family
1
Multi-Family
0
Businesses
8
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 1940
8,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74082, Vera, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 69 (100%) |
| Owner Occupied HU | 57 (82.6%) |
| Renter Occupied HU | 10 (14.5%) |
| Vacant Housing Units | 2 ( 2.9%) |
| Median Home Value | $383,333 |
| Average Home Value | $400,044 |
Housing Distribution
Address Breakdown
Residential
80
Single Family
1
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices