16-484 Laniuma StKeaauHI96749
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 16-484 Laniuma St, Keaau, HI, 96749 in Keaau. At $550,000, it earns $3,188/mo in rent, maintains a 6.96% gross yield, and nets $56/mo after the $2,473/mo mortgage. The 1.29 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $151,955 and $5,066/yr in principal reduction project total return of $210,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $56 | $1,850 |
City averages based on Keaau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,188 |
| Total Monthly Debt Service | $2,913 |
| DSCR Ratio | 1.09x |
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 2005
2.81 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 2005
2.81 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