1103 Acacia Rd APT 304Pearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $450,000, 1103 Acacia Rd APT 304, Pearl City, HI, 96782 in Pearl City generates $2,689/mo in rent (7.17% yield) but nets only $127/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.33) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $124,327. Total projected return: $146,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.1% |
| Monthly Cash Flow | $127 | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,689 |
| Total Monthly Debt Service | $2,901 |
| DSCR Ratio | 0.93x |
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 1986
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 1986
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: Kenji Reyes • Horita Realty LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202506415
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-03-19 10:47:59 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd