3719 Uwao StHanapepeHI96716
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3719 Uwao St, Hanapepe, HI, 96716 in Hanapepe is capital appreciation. Rental yield 5.51%. The 5.51% gross yield at $1,489,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $411,383 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.02) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $437,253.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.0% |
| Monthly Cash Flow | $(1,950) | $1,200 |
City averages based on Hanapepe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,833 |
| Total Monthly Debt Service | $8,191 |
| DSCR Ratio | 0.83x |
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
0.43 Acres 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 2003
0.43 Acres 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