11-3097 Mokuna StHiloHI96785
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 11-3097 Mokuna St, Hilo, HI, 96785 in Hilo deserves attention. This $155,555 property earns $2,340/mo in rent, a 18.05% gross yield, and nets $1,454/mo after the $699/mo payment. DSCR 3.35 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $42,977 compounds alongside $1,433/yr in yearly equity build, for a total cumulative return of $152,276.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.1% | 5.4% |
| Monthly Cash Flow | $1,454 | $285 |
City averages based on Hilo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $824 |
| DSCR Ratio | 2.84x |
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 2020
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96785, Volcano, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,811 (100%) |
| Owner Occupied HU | 1,204 (66.5%) |
| Renter Occupied HU | 245 (13.5%) |
| Vacant Housing Units | 362 (20.0%) |
| Median Home Value | $325,000 |
| Average Home Value | $418,638 |
Housing Distribution
Address Breakdown
Residential
189
Single Family
189
Multi-Family
0
Businesses
13
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 2020
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96785, Volcano, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,811 (100%) |
| Owner Occupied HU | 1,204 (66.5%) |
| Renter Occupied HU | 245 (13.5%) |
| Vacant Housing Units | 362 (20.0%) |
| Median Home Value | $325,000 |
| Average Home Value | $418,638 |
Housing Distribution
Address Breakdown
Residential
189
Single Family
189
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices