1060 Kamehameha Hwy APT 1207APearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 1060 Kamehameha Hwy APT 1207A, Pearl City, HI, 96782 in Pearl City, $355,000, 7.5% gross yield, $182/mo net income. Consider it a market-entry position, the $2,219/mo rent covers the $1,596/mo payment with a margin, and 5%/yr appreciation is projected to add $98,080 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.39) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $111,461.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.1% |
| Monthly Cash Flow | $182 | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,219 |
| Total Monthly Debt Service | $2,466 |
| DSCR Ratio | 0.90x |
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.
Condo
Built in 1984
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96782, Pearl City, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,858 (100%) |
| Owner Occupied HU | 7,902 (61.5%) |
| Renter Occupied HU | 4,295 (33.4%) |
| Vacant Housing Units | 661 ( 5.1%) |
| Median Home Value | $883,637 |
| Average Home Value | $889,250 |
Housing Distribution
Address Breakdown
Residential
11,618
Single Family
9,637
Multi-Family
1,981
Businesses
855
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
Condo
Built in 1984
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96782, Pearl City, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,858 (100%) |
| Owner Occupied HU | 7,902 (61.5%) |
| Renter Occupied HU | 4,295 (33.4%) |
| Vacant Housing Units | 661 ( 5.1%) |
| Median Home Value | $883,637 |
| Average Home Value | $889,250 |
Housing Distribution
Address Breakdown
Residential
11,618
Single Family
9,637
Multi-Family
1,981
Businesses
855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy B Mateo • Ohana Investment Realty LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202506829
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-03-19 10:17:53 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd