3797 Papalina Rd #0KalaheoHI96741
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3797 Papalina Rd #0, Kalaheo, HI, 96741 in Kalaheo at $950,000, 5.31% gross yield, is a market-growth asset. Rental yield 5.31%. The $4,628/mo rent partially funds the $4,272/mo debt service; the core return is the 5%/yr price growth projected to add $262,467 over five years. Ziffy Mortgage's DSCR mortgage (1.08) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $307,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 7.0% |
| Monthly Cash Flow | $(1,209) | $1,500 |
City averages based on Kalaheo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,628 |
| Total Monthly Debt Service | $5,032 |
| DSCR Ratio | 0.92x |
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 1966
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96741, Kalaheo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,571 (100%) |
| Owner Occupied HU | 1,669 (64.9%) |
| Renter Occupied HU | 645 (25.1%) |
| Vacant Housing Units | 257 ( 10.0%) |
| Median Home Value | $890,918 |
| Average Home Value | $973,008 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
122
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 1966
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96741, Kalaheo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,571 (100%) |
| Owner Occupied HU | 1,669 (64.9%) |
| Renter Occupied HU | 645 (25.1%) |
| Vacant Housing Units | 257 ( 10.0%) |
| Median Home Value | $890,918 |
| Average Home Value | $973,008 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices