3057 Poipu Rd #E20KoloaHI96756
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3057 Poipu Rd #E20, Koloa, HI, 96756 in Koloa is priced for appreciation, not yield. Rental yield 5.88%. At $575,000 with a 5.88% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $158,862 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.09) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $135,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 4.0% |
| Monthly Cash Flow | $(1,315) | $1,500 |
City averages based on Koloa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,818 |
| Total Monthly Debt Service | $3,904 |
| DSCR Ratio | 0.72x |
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.
Condo
Built in 1972
N/A lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96756, Koloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,622 (100%) |
| Owner Occupied HU | 1,484 (41.0%) |
| Renter Occupied HU | 922 (25.5%) |
| Vacant Housing Units | 1,216 (33.6%) |
| Median Home Value | $932,770 |
| Average Home Value | $1,093,051 |
Housing Distribution
Address Breakdown
Residential
2,172
Single Family
1,314
Multi-Family
858
Businesses
240
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
Condo
Built in 1972
N/A lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96756, Koloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,622 (100%) |
| Owner Occupied HU | 1,484 (41.0%) |
| Renter Occupied HU | 922 (25.5%) |
| Vacant Housing Units | 1,216 (33.6%) |
| Median Home Value | $932,770 |
| Average Home Value | $1,093,051 |
Housing Distribution
Address Breakdown
Residential
2,172
Single Family
1,314
Multi-Family
858
Businesses
240
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Teresa Daher • Tradewinds Realty Kauai LLC
Mls Name: Hawaii Information Service
Mls Provider:
Mls ID: #715740
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](/info/mls-disclaimers/#mls_726)