1060 Kamehameha Hwy APT 805BPearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1060 Kamehameha Hwy APT 805B, Pearl City, HI, 96782 in Pearl City is narrow, $42/mo net on $1,940/mo rent after the $1,115/mo debt service, but the property operates at break-even-plus, not a loss. At $248,000 with a 9.39% yield, the long-run equity case via 5% appreciation ($68,518 over five years) and $2,284/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,333.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.1% |
| Monthly Cash Flow | $42 | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,940 |
| Total Monthly Debt Service | $1,800 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in 1984
N/A lot
$N/A/sqft
$486 monthly 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
$486 monthly 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: Andy T Chen • 808 Hawaii Properties LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202418254
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-24 23:34:48 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd