3478 S Gary AveTulsaOK74105
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3478 S Gary Ave, Tulsa, OK, 74105 in Tulsa the bet is firmly on appreciation. Rental yield 5.47%. The 5.47% gross yield on a $539,500 price is below income-first thresholds, but 5%/yr value growth projects $149,054 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.54) 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: $218,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 7.2% |
| Monthly Cash Flow | $(1,123) | $450 |
City averages based on Tulsa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,732 |
| Total Monthly Debt Service | $3,309 |
| DSCR Ratio | 1.13x |
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 1955
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74105, Tulsa, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,306 (100%) |
| Owner Occupied HU | 6,877 (44.9%) |
| Renter Occupied HU | 6,922 (45.2%) |
| Vacant Housing Units | 1,507 ( 9.8%) |
| Median Home Value | $356,096 |
| Average Home Value | $435,256 |
Housing Distribution
Address Breakdown
Residential
13,989
Single Family
12,033
Multi-Family
1,956
Businesses
932
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 1955
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74105, Tulsa, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,306 (100%) |
| Owner Occupied HU | 6,877 (44.9%) |
| Renter Occupied HU | 6,922 (45.2%) |
| Vacant Housing Units | 1,507 ( 9.8%) |
| Median Home Value | $356,096 |
| Average Home Value | $435,256 |
Housing Distribution
Address Breakdown
Residential
13,989
Single Family
12,033
Multi-Family
1,956
Businesses
932
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam Johnson • Mogul Realty Inc
Mls Name: MLS Technology, Inc.
Mls Provider:
Mls ID: #2520487
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.