S Highway 82a Lot Wp001OaksOK74359
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayS Highway 82a Lot Wp001, Oaks, OK, 74359 in Oaks is priced for appreciation, not yield. Rental yield 5.14%. At $225,000 with a 5.14% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $62,163 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.95) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $55,104.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(473) | $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 | $964 |
| Total Monthly Debt Service | $1,347 |
| DSCR Ratio | 0.72x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74359, Oaks, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 55 (61.8%) |
| Renter Occupied HU | 24 (27.0%) |
| Vacant Housing Units | 10 (11.2%) |
| Median Home Value | $112,500 |
| Average Home Value | $203,727 |
Housing Distribution
Address Breakdown
Residential
51
Single Family
51
Multi-Family
0
Businesses
13
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 74359, Oaks, OK area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 55 (61.8%) |
| Renter Occupied HU | 24 (27.0%) |
| Vacant Housing Units | 10 (11.2%) |
| Median Home Value | $112,500 |
| Average Home Value | $203,727 |
Housing Distribution
Address Breakdown
Residential
51
Single Family
51
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices