31-3579 Opea Peleau RdNinoleHI96773
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.66% gross rental yield, 31-3579 Opea Peleau Rd, Ninole, HI, 96773 in Ninole is priced for capital growth, not immediate cash flow. The $1,800,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $497,307 by year five, with $15,089/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.29) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $145,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 5.2% |
| Monthly Cash Flow | $(7,759) | $200 |
City averages based on Ninole 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 | $2,491 |
| Total Monthly Debt Service | $9,973 |
| DSCR Ratio | 0.25x |
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.
Single Family
Built in 2013
38.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96773, Ninole, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 57 (100%) |
| Owner Occupied HU | 30 (52.6%) |
| Renter Occupied HU | 3 ( 5.3%) |
| Vacant Housing Units | 24 (42.1%) |
| Median Home Value | $857,143 |
| Average Home Value | $980,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
5
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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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