3111 E Wells AveStillwaterOK74074
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3111 E Wells Ave, Stillwater, OK, 74074 in Stillwater at $234,900 earns $1,689/mo in rent and nets $165/mo after the $1,056/mo payment, a 8.63% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,899 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $2,163/yr in principal paydown, total projected return reaches $100,019.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.8% |
| Monthly Cash Flow | $165 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,689 |
| Total Monthly Debt Service | $1,431 |
| DSCR Ratio | 1.18x |
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 2025
0.57 Acres lot
$N/A/sqft
$24 monthly 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 2025
0.57 Acres lot
$N/A/sqft
$24 monthly 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: Brett Creager • Copper Creek Real Estate
Mls Name: Stillwater MLS
Mls Provider:
Mls ID: #132500
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.