81729 N 2470th RdFayOK73646
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 81729 N 2470th Rd, Fay, OK, 73646 in Fay the bet is firmly on appreciation. Rental yield 2.95%. The 2.95% gross yield on a $395,000 price is below income-first thresholds, but 5%/yr value growth projects $109,131 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.55) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $50,220.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(1,553) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $970 |
| Total Monthly Debt Service | $2,365 |
| DSCR Ratio | 0.41x |
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.
Single Family
Built in N/A
117 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73646, Fay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29 (100%) |
| Owner Occupied HU | 21 (72.4%) |
| Renter Occupied HU | 1 ( 3.4%) |
| Vacant Housing Units | 7 (24.1%) |
| Median Home Value | $109,375 |
| Average Home Value | $129,762 |
Housing Distribution
Address Breakdown
Residential
179
Single Family
179
Multi-Family
0
Businesses
10
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 N/A
117 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 73646, Fay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29 (100%) |
| Owner Occupied HU | 21 (72.4%) |
| Renter Occupied HU | 1 ( 3.4%) |
| Vacant Housing Units | 7 (24.1%) |
| Median Home Value | $109,375 |
| Average Home Value | $129,762 |
Housing Distribution
Address Breakdown
Residential
179
Single Family
179
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices