39-3342 Hana Kaluna Camp RdOokalaHI96774
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 39-3342 Hana Kaluna Camp Rd, Ookala, HI, 96774 in Ookala fits: $799,925, 5.27% gross yield, and a projected 5% annual appreciation rate adding $221,005 in value within five years. Rental yield 5.27%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.98) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,367/yr in principal paydown and $221,005 in appreciation project a total return of $234,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 10.0% |
| Monthly Cash Flow | $(1,043) | $2,500 |
City averages based on Ookala market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,512 |
| Total Monthly Debt Service | $4,237 |
| 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 2004
1.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96774, Ookala, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 170 (100%) |
| Owner Occupied HU | 119 (70.0%) |
| Renter Occupied HU | 28 (16.5%) |
| Vacant Housing Units | 23 (13.5%) |
| Median Home Value | $854,592 |
| Average Home Value | $952,731 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
2
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 2004
1.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96774, Ookala, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 170 (100%) |
| Owner Occupied HU | 119 (70.0%) |
| Renter Occupied HU | 28 (16.5%) |
| Vacant Housing Units | 23 (13.5%) |
| Median Home Value | $854,592 |
| Average Home Value | $952,731 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices