431 S Carnegie StCarnegieOK73015
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 431 S Carnegie St, Carnegie, OK, 73015 in Carnegie at $159,000 earns $1,126/mo in rent and nets $110/mo after the $715/mo payment, a 8.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $43,929 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $1,464/yr in principal paydown, total projected return reaches $67,535.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $110 | $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 | $1,126 |
| Total Monthly Debt Service | $952 |
| DSCR Ratio | 1.18x |
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 1940
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73015, Carnegie, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,236 (100%) |
| Owner Occupied HU | 651 (52.7%) |
| Renter Occupied HU | 221 (17.9%) |
| Vacant Housing Units | 364 (29.4%) |
| Median Home Value | $93,276 |
| Average Home Value | $148,998 |
Housing Distribution
Address Breakdown
Residential
731
Single Family
708
Multi-Family
23
Businesses
98
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 1940
1.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73015, Carnegie, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,236 (100%) |
| Owner Occupied HU | 651 (52.7%) |
| Renter Occupied HU | 221 (17.9%) |
| Vacant Housing Units | 364 (29.4%) |
| Median Home Value | $93,276 |
| Average Home Value | $148,998 |
Housing Distribution
Address Breakdown
Residential
731
Single Family
708
Multi-Family
23
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices