315 E 20th StTulsaOK74120
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 315 E 20th St, Tulsa, OK, 74120 in Tulsa the bet is firmly on appreciation. Rental yield 1.73%. The 1.73% gross yield on a $1,397,000 price is below income-first thresholds, but 5%/yr value growth projects $385,965 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.32) 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: $86,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 7.2% |
| Monthly Cash Flow | $(6,905) | $450 |
City averages based on Tulsa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,016 |
| Total Monthly Debt Service | $8,366 |
| DSCR Ratio | 0.24x |
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 1911
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74120, Tulsa, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,491 (100%) |
| Owner Occupied HU | 737 (21.1%) |
| Renter Occupied HU | 2,113 (60.5%) |
| Vacant Housing Units | 641 (18.4%) |
| Median Home Value | $390,549 |
| Average Home Value | $434,274 |
Housing Distribution
Address Breakdown
Residential
2,914
Single Family
2,034
Multi-Family
880
Businesses
663
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 1911
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74120, Tulsa, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,491 (100%) |
| Owner Occupied HU | 737 (21.1%) |
| Renter Occupied HU | 2,113 (60.5%) |
| Vacant Housing Units | 641 (18.4%) |
| Median Home Value | $390,549 |
| Average Home Value | $434,274 |
Housing Distribution
Address Breakdown
Residential
2,914
Single Family
2,034
Multi-Family
880
Businesses
663
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Misty Lord • Keller Williams Advantage
Mls Name: MLS Technology, Inc.
Mls Provider:
Mls ID: #2515025
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.