2695 S Kihei Rd APT 4205KiheiHI96753
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 2695 S Kihei Rd APT 4205, Kihei, HI, 96753 in Kihei clears it at 1.55, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.8%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $148,916; $4,518/yr in principal equity; total projected return: $183,479.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 4.2% |
| Monthly Cash Flow | $(225) | $2,800 |
City averages based on Kihei market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,953 |
| Total Monthly Debt Service | $4,094 |
| DSCR Ratio | 0.97x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1983
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96753, Kihei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,747 (100%) |
| Owner Occupied HU | 6,648 (35.5%) |
| Renter Occupied HU | 5,193 (27.7%) |
| Vacant Housing Units | 6,906 (36.8%) |
| Median Home Value | $1,034,363 |
| Average Home Value | $1,151,236 |
Housing Distribution
Address Breakdown
Residential
14,810
Single Family
10,255
Multi-Family
4,555
Businesses
982
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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
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