1060 Kamehameha Hwy APT 3102BPearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 1060 Kamehameha Hwy APT 3102B, Pearl City, HI, 96782 in Pearl City: $2,290/mo in rent, $305/mo in net income, 7.96% gross yield, 1.48 DSCR, all at $345,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $95,317 in appreciation and $3,177/yr in principal paydown projects total cumulative return of $108,489.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.1% |
| Monthly Cash Flow | $305 | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,290 |
| Total Monthly Debt Service | $2,537 |
| 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: Margaret U Lim • eXp Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202423736
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-21 13:08:54 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd