8666 E Prospect Ave TRACT 25Ponca CityOK74604
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 8666 E Prospect Ave TRACT 25, Ponca City, OK, 74604 in Ponca City is narrow, $163/mo net on $897/mo rent after the $517/mo debt service, but the property operates at break-even-plus, not a loss. At $115,000 with a 9.36% yield, the long-run equity case via 5% appreciation ($31,772 over five years) and $1,059/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $54,203.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $163 | $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 | $897 |
| Total Monthly Debt Service | $689 |
| DSCR Ratio | 1.30x |
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 N/A
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74604, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,604 (100%) |
| Owner Occupied HU | 3,986 (71.1%) |
| Renter Occupied HU | 1,055 (18.8%) |
| Vacant Housing Units | 563 (10.0%) |
| Median Home Value | $215,549 |
| Average Home Value | $268,959 |
Housing Distribution
Address Breakdown
Residential
5,395
Single Family
5,007
Multi-Family
388
Businesses
139
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
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74604, Ponca City, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,604 (100%) |
| Owner Occupied HU | 3,986 (71.1%) |
| Renter Occupied HU | 1,055 (18.8%) |
| Vacant Housing Units | 563 (10.0%) |
| Median Home Value | $215,549 |
| Average Home Value | $268,959 |
Housing Distribution
Address Breakdown
Residential
5,395
Single Family
5,007
Multi-Family
388
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Spencer Grace • Keller Williams Realty Partners
Mls Name: REALSTACK
Mls ID: #39966