22 South StCartwrightOK74731
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $144,400, 22 South St, Cartwright, OK, 74731 in Cartwright generates $1,084/mo in rent (9.01% yield) but nets only $162/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.67) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $39,895. Total projected return: $65,333.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $162 | $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 | $1,084 |
| Total Monthly Debt Service | $865 |
| DSCR Ratio | 1.25x |
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 2021
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74731, Cartwright, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 866 (100%) |
| Owner Occupied HU | 510 (58.9%) |
| Renter Occupied HU | 150 (17.3%) |
| Vacant Housing Units | 206 (23.8%) |
| Median Home Value | $182,292 |
| Average Home Value | $191,162 |
Housing Distribution
Address Breakdown
Residential
624
Single Family
624
Multi-Family
0
Businesses
19
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 2021
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74731, Cartwright, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 866 (100%) |
| Owner Occupied HU | 510 (58.9%) |
| Renter Occupied HU | 150 (17.3%) |
| Vacant Housing Units | 206 (23.8%) |
| Median Home Value | $182,292 |
| Average Home Value | $191,162 |
Housing Distribution
Address Breakdown
Residential
624
Single Family
624
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mona Campbell • Campbell Real Estate Group
Mls Name: MLS Technology, Inc.
Mls ID: #2604028