36 Hoku PlPaiaHI96779
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play36 Hoku Pl, Paia, HI, 96779 in Paia is priced for appreciation, not yield. Rental yield 3.52%. At $1,750,000 with a 3.52% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $483,493 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.65) 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: $348,358.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 5.0% |
| Monthly Cash Flow | $(4,839) | $200 |
City averages based on Paia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,126 |
| Total Monthly Debt Service | $9,269 |
| DSCR Ratio | 0.55x |
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 2003
4,443 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96779, Paia, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,153 (100%) |
| Owner Occupied HU | 529 (45.9%) |
| Renter Occupied HU | 427 (37.0%) |
| Vacant Housing Units | 197 (17.1%) |
| Median Home Value | $992,318 |
| Average Home Value | $1,279,272 |
Housing Distribution
Address Breakdown
Residential
820
Single Family
770
Multi-Family
50
Businesses
173
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 2003
4,443 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96779, Paia, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,153 (100%) |
| Owner Occupied HU | 529 (45.9%) |
| Renter Occupied HU | 427 (37.0%) |
| Vacant Housing Units | 197 (17.1%) |
| Median Home Value | $992,318 |
| Average Home Value | $1,279,272 |
Housing Distribution
Address Breakdown
Residential
820
Single Family
770
Multi-Family
50
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices