15-2737 Lai StPahoaHI96778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow15-2737 Lai St, Pahoa, HI, 96778 in Pahoa is a top-tier cash-flow asset. At $238,100 it produces $2,238/mo in rent and $882/mo in net monthly income, a 11.28% gross rental yield. The DSCR of 2.09 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $10,586. Five-year appreciation adds $65,783, driving a total cumulative return of $146,526.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.8% |
| Monthly Cash Flow | $882 | $850 |
City averages based on Pahoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,238 |
| Total Monthly Debt Service | $1,261 |
| DSCR Ratio | 1.77x |
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 1980
0.35 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 1980
0.35 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