12-7861 Kalapana Kapoho Beach RdPahoaHI96778
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12-7861 Kalapana Kapoho Beach Rd, Pahoa, HI, 96778 in Pahoa is narrow, $146/mo net on $2,872/mo rent after the $1,843/mo debt service, but the property operates at break-even-plus, not a loss. At $409,900 with a 8.41% yield, the long-run equity case via 5% appreciation ($113,248 over five years) and $3,775/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $165,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.8% |
| Monthly Cash Flow | $146 | $850 |
City averages based on Pahoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,872 |
| Total Monthly Debt Service | $2,563 |
| DSCR Ratio | 1.12x |
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 2008
8,319 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 2008
8,319 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