402 N 4th StJayOK74346
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 402 N 4th St, Jay, OK, 74346 in Jay. Rental yield 3.38%. At $450,000 with 3.38% gross yield, current distributions are modest, but the 5% appreciation rate projects $124,327 in new equity by year five, complemented by $4,145/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.63) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $67,656.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(1,607) | $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 | $1,267 |
| Total Monthly Debt Service | $2,695 |
| DSCR Ratio | 0.47x |
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.
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74346, Jay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,735 (100%) |
| Owner Occupied HU | 2,050 (54.9%) |
| Renter Occupied HU | 852 (22.8%) |
| Vacant Housing Units | 833 (22.3%) |
| Median Home Value | $188,433 |
| Average Home Value | $317,728 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
2,725
Multi-Family
65
Businesses
207
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
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74346, Jay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,735 (100%) |
| Owner Occupied HU | 2,050 (54.9%) |
| Renter Occupied HU | 852 (22.8%) |
| Vacant Housing Units | 833 (22.3%) |
| Median Home Value | $188,433 |
| Average Home Value | $317,728 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
2,725
Multi-Family
65
Businesses
207
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices