11-3895 5th StVolcanoHI96785
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 11-3895 5th St, Volcano, HI, 96785 in Volcano at $574,900, 5.22% gross yield, is a market-growth asset. Rental yield 5.22%. The $2,503/mo rent partially funds the $2,585/mo debt service; the core return is the 5%/yr price growth projected to add $158,834 over five years. Ziffy Mortgage's DSCR mortgage (0.97) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $167,206.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 3.8% |
| Monthly Cash Flow | $(771) | $1,200 |
City averages based on Volcano market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,503 |
| Total Monthly Debt Service | $3,045 |
| DSCR Ratio | 0.82x |
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.
Single Family
Built in 1997
0.92 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 1997
0.92 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