35-163 Hokumahoe RdLaupahoehoeHI96764
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play35-163 Hokumahoe Rd, Laupahoehoe, HI, 96764 in Laupahoehoe is priced for appreciation, not yield. Rental yield 5.41%. At $959,000 with a 5.41% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $264,954 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.00) 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: $288,163.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 8.0% |
| Monthly Cash Flow | $(1,141) | $1,500 |
City averages based on Laupahoehoe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,320 |
| Total Monthly Debt Service | $5,079 |
| DSCR Ratio | 0.85x |
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.
Single Family
Built in 2008
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96764, Laupahoehoe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 532 (100%) |
| Owner Occupied HU | 353 (66.4%) |
| Renter Occupied HU | 112 (21.1%) |
| Vacant Housing Units | 67 (12.6%) |
| Median Home Value | $730,867 |
| Average Home Value | $726,565 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
17
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 2008
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96764, Laupahoehoe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 532 (100%) |
| Owner Occupied HU | 353 (66.4%) |
| Renter Occupied HU | 112 (21.1%) |
| Vacant Housing Units | 67 (12.6%) |
| Median Home Value | $730,867 |
| Average Home Value | $726,565 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jen McGeehan • Coldwell Banker Island Properties - Hilo
Mls Name: Hawaii Information Service
Mls ID: #727208