12-5455 Ala LokelaniPahoaHI96778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 12-5455 Ala Lokelani, Pahoa, HI, 96778 in Pahoa hard to pass up. The 19.98% gross yield on a $250,000 purchase results in $4,163/mo in rent and $2,739/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.70). Annual cash flow of $32,870, five-year appreciation of $69,070, and $2,303/yr in equity build-up combine for a projected total cumulative return of $270,553.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20% | 6.8% |
| Monthly Cash Flow | $2,739 | $850 |
City averages based on Pahoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,163 |
| Total Monthly Debt Service | $1,324 |
| DSCR Ratio | 3.14x |
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 2010
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96778, Pahoa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,048 (100%) |
| Owner Occupied HU | 4,309 (61.1%) |
| Renter Occupied HU | 1,534 (21.8%) |
| Vacant Housing Units | 1,205 (17.1%) |
| Median Home Value | $312,610 |
| Average Home Value | $418,055 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,610
Multi-Family
0
Businesses
154
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 2010
7,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96778, Pahoa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,048 (100%) |
| Owner Occupied HU | 4,309 (61.1%) |
| Renter Occupied HU | 1,534 (21.8%) |
| Vacant Housing Units | 1,205 (17.1%) |
| Median Home Value | $312,610 |
| Average Home Value | $418,055 |
Housing Distribution
Address Breakdown
Residential
4,610
Single Family
4,610
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices