821 N ElmStratfordOK74872
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 821 N Elm, Stratford, OK, 74872 in Stratford earns a 9.84% gross yield at $189,900. Rent of $1,558/mo nets $345/mo after the $854/mo mortgage. The 1.82 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $52,466 and $1,749/yr in equity accumulation project a total cumulative return of $94,398.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $345 | $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 | $1,558 |
| Total Monthly Debt Service | $1,137 |
| DSCR Ratio | 1.37x |
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 1975
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74872, Stratford, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 1,008 (65.1%) |
| Renter Occupied HU | 347 (22.4%) |
| Vacant Housing Units | 194 (12.5%) |
| Median Home Value | $190,000 |
| Average Home Value | $241,374 |
Housing Distribution
Address Breakdown
Residential
1,278
Single Family
1,278
Multi-Family
0
Businesses
96
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 1975
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74872, Stratford, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,549 (100%) |
| Owner Occupied HU | 1,008 (65.1%) |
| Renter Occupied HU | 347 (22.4%) |
| Vacant Housing Units | 194 (12.5%) |
| Median Home Value | $190,000 |
| Average Home Value | $241,374 |
Housing Distribution
Address Breakdown
Residential
1,278
Single Family
1,278
Multi-Family
0
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices