15-2068 3rd AveKeaauHI96749
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Keaau rental at 15-2068 3rd Ave, Keaau, HI, 96749 sits in the solid-income band: 7.39% gross yield, $3,631/mo rent, $271/mo net after the $2,653/mo debt service, DSCR 1.37. Entry price of $590,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $163,006 and $5,434/yr in principal reduction bring total cumulative return to $239,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $271 | $1,850 |
City averages based on Keaau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,631 |
| Total Monthly Debt Service | $3,125 |
| DSCR Ratio | 1.16x |
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
1 Acres lot
$N/A/sqft
No 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 2010
1 Acres lot
$N/A/sqft
No 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