11-2792 Ohia AveHiloHI96771
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 11-2792 Ohia Ave, Hilo, HI, 96771 in Hilo speaks for itself: 11.35% gross on a $295,000 price, generating $2,790/mo in rent and $1,110/mo in net income after the $1,327/mo debt service. DSCR 2.10, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,321 stacks alongside $81,503 in projected five-year appreciation and $2,717/yr in principal reduction. Projected total cumulative return: $182,634.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 5.4% |
| Monthly Cash Flow | $1,110 | $285 |
City averages based on Hilo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,790 |
| Total Monthly Debt Service | $1,563 |
| DSCR Ratio | 1.79x |
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.
Single Family
Built in 1990
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96771, Mountain View, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,480 (100%) |
| Owner Occupied HU | 3,979 (72.6%) |
| Renter Occupied HU | 814 (14.9%) |
| Vacant Housing Units | 687 (12.5%) |
| Median Home Value | $305,547 |
| Average Home Value | $509,835 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
26
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 1990
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96771, Mountain View, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,480 (100%) |
| Owner Occupied HU | 3,979 (72.6%) |
| Renter Occupied HU | 814 (14.9%) |
| Vacant Housing Units | 687 (12.5%) |
| Median Home Value | $305,547 |
| Average Home Value | $509,835 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices