4312 E Zachary LnStillwaterOK74074
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4312 E Zachary Ln, Stillwater, OK, 74074 in Stillwater is a solid income-producing rental, 9.95% gross yield, $2,156/mo rent, $496/mo net cash flow on a $260,000 buy. DSCR 1.84 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $71,833 and $2,395/yr in principal reduction project a total cumulative return of $130,749.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.8% |
| Monthly Cash Flow | $496 | $420 |
City averages based on Stillwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $1,557 |
| DSCR Ratio | 1.38x |
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 2012
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74074, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,367 (100%) |
| Owner Occupied HU | 6,229 (40.5%) |
| Renter Occupied HU | 6,512 (42.4%) |
| Vacant Housing Units | 2,626 (17.1%) |
| Median Home Value | $328,957 |
| Average Home Value | $362,411 |
Housing Distribution
Address Breakdown
Residential
14,937
Single Family
14,346
Multi-Family
591
Businesses
1,130
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 2012
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74074, Stillwater, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,367 (100%) |
| Owner Occupied HU | 6,229 (40.5%) |
| Renter Occupied HU | 6,512 (42.4%) |
| Vacant Housing Units | 2,626 (17.1%) |
| Median Home Value | $328,957 |
| Average Home Value | $362,411 |
Housing Distribution
Address Breakdown
Residential
14,937
Single Family
14,346
Multi-Family
591
Businesses
1,130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ann Morgan • REAL ESTATE PROFESSIONALS
Mls Name: Stillwater MLS
Mls ID: #133572