15-2025 20th AveKeaauHI96749
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 15-2025 20th Ave, Keaau, HI, 96749 in Keaau offers a clean, manageable entry. Rental yield 6.16%. DSCR 1.14 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $96,422 in additional property value over five years, with $3,214/yr in principal equity building ownership stake. Total projected cumulative return: $112,982.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.2% |
| Monthly Cash Flow | $(297) | $1,850 |
City averages based on Keaau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,792 |
| Total Monthly Debt Service | $1,950 |
| DSCR Ratio | 0.92x |
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 1983
1 Acres lot
$N/A/sqft
$36 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96749, Keaau, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,930 (71.7%) |
| Renter Occupied HU | 1,209 (17.6%) |
| Vacant Housing Units | 741 (10.8%) |
| Median Home Value | $479,024 |
| Average Home Value | $548,693 |
Housing Distribution
Address Breakdown
Residential
3,358
Single Family
3,358
Multi-Family
0
Businesses
250
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 1983
1 Acres lot
$N/A/sqft
$36 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96749, Keaau, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,880 (100%) |
| Owner Occupied HU | 4,930 (71.7%) |
| Renter Occupied HU | 1,209 (17.6%) |
| Vacant Housing Units | 741 (10.8%) |
| Median Home Value | $479,024 |
| Average Home Value | $548,693 |
Housing Distribution
Address Breakdown
Residential
3,358
Single Family
3,358
Multi-Family
0
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Preston Whitaker • Bizwala
Mls Name: Hawaii Information Service
Mls Provider:
Mls ID: #719644
Disclaimer: Copyright 2025 MLS Hawaii, Inc. All rights reserved. IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Listing Information presented by local MLS brokerage: Zillow, Inc., local broker - Joel Backman - (808) 437-8500. [Click here for more information](/mls-disclaimers/#726)