406 N J StHugoOK74743
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $119,000, 406 N J St, Hugo, OK, 74743 in Hugo generates $933/mo in rent (9.41% yield) but nets only $173/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.74) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $32,878. Total projected return: $56,393.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $173 | $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 | $933 |
| Total Monthly Debt Service | $713 |
| DSCR Ratio | 1.31x |
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 1960
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74743, Hugo, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 2,082 (48.7%) |
| Renter Occupied HU | 1,556 (36.4%) |
| Vacant Housing Units | 638 (14.9%) |
| Median Home Value | $148,311 |
| Average Home Value | $213,554 |
Housing Distribution
Address Breakdown
Residential
3,795
Single Family
3,734
Multi-Family
61
Businesses
481
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 1960
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74743, Hugo, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 2,082 (48.7%) |
| Renter Occupied HU | 1,556 (36.4%) |
| Vacant Housing Units | 638 (14.9%) |
| Median Home Value | $148,311 |
| Average Home Value | $213,554 |
Housing Distribution
Address Breakdown
Residential
3,795
Single Family
3,734
Multi-Family
61
Businesses
481
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices