901 W Cherokee StJayOK74346
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $198,890, 901 W Cherokee St, Jay, OK, 74346 in Jay generates $1,320/mo in rent (7.96% yield) but nets only $50/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.48) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $54,950. Total projected return: $78,858.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $50 | $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 | $1,320 |
| Total Monthly Debt Service | $1,191 |
| DSCR Ratio | 1.11x |
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 1981
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74346, Jay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,735 (100%) |
| Owner Occupied HU | 2,050 (54.9%) |
| Renter Occupied HU | 852 (22.8%) |
| Vacant Housing Units | 833 (22.3%) |
| Median Home Value | $188,433 |
| Average Home Value | $317,728 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
2,725
Multi-Family
65
Businesses
207
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 1981
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74346, Jay, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,735 (100%) |
| Owner Occupied HU | 2,050 (54.9%) |
| Renter Occupied HU | 852 (22.8%) |
| Vacant Housing Units | 833 (22.3%) |
| Median Home Value | $188,433 |
| Average Home Value | $317,728 |
Housing Distribution
Address Breakdown
Residential
2,790
Single Family
2,725
Multi-Family
65
Businesses
207
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices