107 Ellis Loop · Pocola, OK 74902

$90,000

4 bd · 2.0 ba · 1,133 sqft · SingleFamily · 54 Days on market

Built 1999 Fair condition 1.41 ac lot ↓ 15% since listing

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +21.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.9/10.0
• 1% rule +5.7/10.0
• Appreciation +4.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.6/10.0

Listing remarks

This diamond in the rough could be your dream home! Location! Location! Surrounding trees give you privacy and a beautiful pasture with horses across the road allows a beautiful view and serene evenings from the front porch. Home boasts 4 bedrooms and 2 full baths with a large living room and oversized garage. Roof is approximately 6 years old. HVAC will need work. Won't qualify for traditional government loans. Showings after 5 pm on weekdays and weekend showings available on request.

Key facts

• Front porch
• 1.41 acre lot
• Garage

Tags

• FRONT PORCH

Property features AI

Finance

• Other: Property type: Residential, single family residence

Exterior

• Parking: Attached garage with 1 covered space; Gravel and concrete drive/parking areas
• Utilities: Public water; Septic tank sewer; Electricity available
• Home design: Single-family house; One story
• Construction: Brick construction; Shingle roof; Slab foundation; Built as a house (single family residence)
• Exterior features: Covered porch; Partial fencing; Level, secluded, wooded lot; Paved public road access; Accessible entrance with ramp and accessible approach

Interior

• Kitchen: Range; Electric water heater
• Bedrooms: Bedrooms with walk-in closets
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air; Ceiling fans (cooling)
• Interior features: Ceiling fans; Eat-in kitchen; Walk-in closets; Blinds on windows
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $90k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $136 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($959 rent vs $90k).
• Recommended offer: $87k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.1% vs local median 3.2% in Pocola — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 64/100 on livability (#179 in OK) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: employment C-, amenities F, commute F.
• Pocola (rural): math 15% / reading 23% proficiency, ranked #188 of 270 in OK (top 70%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Pocola Es (math 17% / reading 22%, grade F, #479 of 845 statewide, top 63%, 385 students, 0% FRL); Pocola Ms (math 12% / reading 17%, grade F, #234 of 345 statewide, top 72%, 155 students, 0% FRL); Pocola Hs (math 15% / reading 34%, grade F, #145 of 447 statewide, top 33%, 207 students, 0% FRL) — zoned schools average 0% FRL vs 57% district-wide (57 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 40 active listings in the ZIP; 73 units permitted in Le Flore County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.4%/yr); year-one equity from $622 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Le Flore County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 54 days — a 3% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $45k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 54 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.07% ✓
• Cap rate: 8.10%
• Cash-on-cash: 6.46%
• DSCR: 1.29
• GRM: 7.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.38% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.3%
• Equity multiple: 1.01×
• Total profit: $343
• Equity at exit: $20,088

10-year hold

• IRR: 7.4%
• Equity multiple: 1.68×
• Total profit: $17,260
• Equity at exit: $19,729

Cash invested: $25,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Oklahoma: 83 Strongly Landlord-Friendly · R+20
• County: — inherits STATE
• City: — inherits STATE

5-day notice; strongly landlord-favorable.

Methodology + full state rankings →

ZIP-level market 74902

• Home prices YoY: -0.5%
• Active inventory: 40
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $959 medium
• Mortgage (P&I): −$472
• Tax est. 1.5%: −$112 /mo · $1,350/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$201
• Net cashflow: $136

Break-even live

Break-even rent $787

Max offer price $90,000

Occupancy floor 81%

Sensitivity live

Price	-10% $198	-5% $167	+0% $136	+5% $105	+10% $74
Rent	-10% $60	-5% $98	+0% $136	+5% $174	+10% $211
Rate	-1.0pp $181	-0.5pp $159	base $136	+0.5pp $112	+1.0pp $89

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-07
   statusdays on market $90,000 Pending 54 DOM
2. 2026-06-05
   days on market $90,000 Active 53 DOM
3. 2026-06-02
   days on market $90,000 Active 51 DOM
4. 2026-06-01
   days on market $90,000 Active 50 DOM
5. 2026-05-31
   days on market $90,000 Active 49 DOM
6. 2026-05-30
   days on market $90,000 Active 48 DOM
7. 2026-05-20
   status Active
8. 2026-05-20
   price $115,000
9. 2026-05-14
   status Pending
10. 2026-04-03
    listed $135,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥112°F today · 20 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,509
• − Mortgage interest: −$5,041
• − Property taxes: −$1,350
• − Insurance: −$450
• − Repairs & maintenance: −$921
• − Management: −$921
• − Depreciation: −$2,618
• Taxable income: $208
• Est. tax owed @ 24.0%: −$50
• After-tax cash flow: $1,579/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires significant repairs and maintenance, including a new roof, painting, and HVAC system replacement. However, it has a good location and could be a good investment with the right updates.

Repairs flagged

• Major roof — The satellite image shows a darker area on the roof, indicating potential leaks or damage.
• Moderate exterior siding — The exterior siding appears to be in fair condition, with some discoloration and wear visible.
• Minor flooring — The flooring in the living room and kitchen appears to be in average condition, with some wear visible.
• Minor interior walls — The interior walls appear to be in average condition, with some discoloration and wear visible.
• Major bathrooms — The bathrooms appear to be in poor condition, with visible damage to the ceiling and walls.
• Major HVAC system — The HVAC system appears to be old and in need of repair, as indicated by the satellite image showing a darker area on the roof.

Value-add opportunities

• Both repair and replace roof — Repairing and replacing the roof would improve the overall condition of the home and increase its value for both resale and rental.
• Both paint exterior and interior walls — Painting the exterior and interior walls would improve the appearance of the home and increase its value for both resale and rental.
• Both repair and replace HVAC system — Repairing and replacing the HVAC system would improve the comfort and energy efficiency of the home and increase its value for both resale and rental.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · The satellite image shows a darker area on the roof, indicating potential leaks or damage.	Major	$15,000–50,000
exterior siding · The exterior siding appears to be in fair condition, with some discoloration and wear visible.	Moderate	$3,000–15,000
flooring · The flooring in the living room and kitchen appears to be in average condition, with some wear visible.	Minor	$500–3,000
interior walls · The interior walls appear to be in average condition, with some discoloration and wear visible.	Minor	$500–3,000
bathrooms · The bathrooms appear to be in poor condition, with visible damage to the ceiling and walls.	Major	$15,000–50,000
HVAC system · The HVAC system appears to be old and in need of repair, as indicated by the satellite image showing a darker area on the roof.	Major	$15,000–50,000
Total estimated repair cost · 6 items		$49,000–171,000

Value-add ROI direction

• Both repair and replace roof — Repairing and replacing the roof would improve the overall condition of the home and increase its value for both resale and rental. ↑
• Both paint exterior and interior walls — Painting the exterior and interior walls would improve the appearance of the home and increase its value for both resale and rental. ↑
• Both repair and replace HVAC system — Repairing and replacing the HVAC system would improve the comfort and energy efficiency of the home and increase its value for both resale and rental. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Pocola
• NCES district ID: 4024630
• Math proficiency: 15% ▼ -12.00%
• Reading proficiency: 23% ▼ -6.00%
• Median HH income: $38,047
• Composite: 15.91/100
• National rank: #9255
• State rank: #188 of 270 in OK

Livability — Pocola

• Score: 64/100
• State rank: #179
• US rank: #14166

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment C- Housing A Health & safety D- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pocola, OK
• City population: 4,359
• Population (ZIP): 4,359

Population outlook (Le Flore County) Hauer SSP2

• Today (2025): 48,504 people
• By 2030: 47,474 · -2.1%
• By 2040: 44,914 · -7.4%
• By 2050: 42,239 · -12.9%
• By 2075: 35,071 · -27.7%
• By 2100: 25,949 · -46.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Two or more races 12% Native American 10% Hispanic / Latino 4% Black 1%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 2% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Le Flore

• 2024 margin: Solid R (+64.8) · D 17.0% · R 81.8% · Other 1.3%
• 2008→2024 swing: -26.1pp toward R · 2008: -38.6pp · 2024: -64.8pp
• All cycles: 2024: R+64.8 2020: R+63.4 2016: R+58.7 2012: R+41.1 2008: R+38.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.38%
• Current HPI: 280.9093
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.55%
• F500 in state: 6

Industry mix (Fortune 500 HQ in OK)

Industry	F500 HQs	Revenue
▸Energy	3	$48B

Price history

-14.8% since first listed

4 events — show timeline

• 2026-05-20 Relisted — WRVBOR
• 2026-05-20 Price Changed $115,000 WRVBOR
• 2026-05-14 Pending — WRVBOR
• 2026-04-03 Listed $135,000 WRVBOR