415 Francis StEnidOK73703
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 415 Francis St, Enid, OK, 73703 in Enid at $260,000 earns $1,680/mo in rent and nets $20/mo after the $1,169/mo payment, a 7.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,833 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $2,395/yr in principal paydown, total projected return reaches $100,137.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.0% |
| Monthly Cash Flow | $20 | $200 |
City averages based on Enid market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $1,557 |
| DSCR Ratio | 1.08x |
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 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73703, Enid, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,869 (100%) |
| Owner Occupied HU | 7,969 (57.5%) |
| Renter Occupied HU | 4,384 (31.6%) |
| Vacant Housing Units | 1,516 (10.9%) |
| Median Home Value | $205,328 |
| Average Home Value | $250,112 |
Housing Distribution
Address Breakdown
Residential
13,236
Single Family
11,734
Multi-Family
1,502
Businesses
789
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 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73703, Enid, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,869 (100%) |
| Owner Occupied HU | 7,969 (57.5%) |
| Renter Occupied HU | 4,384 (31.6%) |
| Vacant Housing Units | 1,516 (10.9%) |
| Median Home Value | $205,328 |
| Average Home Value | $250,112 |
Housing Distribution
Address Breakdown
Residential
13,236
Single Family
11,734
Multi-Family
1,502
Businesses
789
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices