2326 S Mady CirStillwaterOK74074
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2326 S Mady Cir, Stillwater, OK, 74074 in Stillwater the bet is firmly on appreciation. Rental yield 5.83%. The 5.83% gross yield on a $444,000 price is below income-first thresholds, but 5%/yr value growth projects $122,669 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.08) 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: $124,210.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.8% |
| Monthly Cash Flow | $(679) | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $2,672 |
| DSCR Ratio | 0.81x |
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 2020
2.98 Acres lot
$N/A/sqft
$158 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 2020
2.98 Acres lot
$N/A/sqft
$158 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: Jacob Green • One Broker Place
Mls Name: Stillwater MLS
Mls Provider:
Mls ID: #132317
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.