260507 E 980th RdGearyOK73040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 260507 E 980th Rd, Geary, OK, 73040 in Geary: $3,202/mo in rent, $360/mo in net income, 8.63% gross yield, 1.60 DSCR, all at $445,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $122,945 in appreciation and $4,098/yr in principal paydown projects total cumulative return of $192,326.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $360 | $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 | $3,202 |
| Total Monthly Debt Service | $2,665 |
| DSCR Ratio | 1.20x |
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 2006
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73040, Geary, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 905 (100%) |
| Owner Occupied HU | 535 (59.1%) |
| Renter Occupied HU | 163 (18.0%) |
| Vacant Housing Units | 207 (22.9%) |
| Median Home Value | $178,750 |
| Average Home Value | $227,477 |
Housing Distribution
Address Breakdown
Residential
697
Single Family
697
Multi-Family
0
Businesses
85
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 2006
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73040, Geary, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 905 (100%) |
| Owner Occupied HU | 535 (59.1%) |
| Renter Occupied HU | 163 (18.0%) |
| Vacant Housing Units | 207 (22.9%) |
| Median Home Value | $178,750 |
| Average Home Value | $227,477 |
Housing Distribution
Address Breakdown
Residential
697
Single Family
697
Multi-Family
0
Businesses
85
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices