3574 Pilialoha StHanapepeHI96716
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3574 Pilialoha St, Hanapepe, HI, 96716 in Hanapepe worth study. Rental yield 5.15%. The 5.15% gross yield is below cash-flow benchmarks at $869,000, but 5% annual appreciation, adding $240,089 over five years, frames this as a capital growth position. Rent of $3,726/mo partially offsets the $3,908/mo payment. Ziffy Mortgage finances appreciation-play properties (0.95 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $248,937.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 5.0% |
| Monthly Cash Flow | $(1,223) | $1,200 |
City averages based on Hanapepe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,726 |
| Total Monthly Debt Service | $4,603 |
| DSCR Ratio | 0.81x |
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 1991
5,015 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96716, Hanapepe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 980 (100%) |
| Owner Occupied HU | 518 (52.9%) |
| Renter Occupied HU | 374 (38.2%) |
| Vacant Housing Units | 88 ( 9.0%) |
| Median Home Value | $774,160 |
| Average Home Value | $760,135 |
Housing Distribution
Address Breakdown
Residential
13
Single Family
13
Multi-Family
0
Businesses
80
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 1991
5,015 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96716, Hanapepe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 980 (100%) |
| Owner Occupied HU | 518 (52.9%) |
| Renter Occupied HU | 374 (38.2%) |
| Vacant Housing Units | 88 ( 9.0%) |
| Median Home Value | $774,160 |
| Average Home Value | $760,135 |
Housing Distribution
Address Breakdown
Residential
13
Single Family
13
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices