3123 E Hilltop AveStillwaterOK74074
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3123 E Hilltop Ave, Stillwater, OK, 74074 in Stillwater is narrow, $198/mo net on $1,770/mo rent after the $1,090/mo debt service, but the property operates at break-even-plus, not a loss. At $242,400 with a 8.76% yield, the long-run equity case via 5% appreciation ($66,971 over five years) and $2,233/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.62 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,990.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.8% |
| Monthly Cash Flow | $198 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,770 |
| Total Monthly Debt Service | $1,476 |
| 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 2025
0.66 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
0.66 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: #131922
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.