13-3549 Hookupu StPahoaHI96778
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 13-3549 Hookupu St, Pahoa, HI, 96778 in Pahoa at $349,500 earns $2,148/mo in rent and nets $138/mo after the $1,572/mo payment, a 7.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,560 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $3,219/yr in principal paydown, total projected return reaches $140,735.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.8% |
| Monthly Cash Flow | $138 | $850 |
City averages based on Pahoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,148 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 1.15x |
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 2002
1.15 Acres 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 2002
1.15 Acres 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