415 Lanikukia PlHiloHI96720
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 415 Lanikukia Pl, Hilo, HI, 96720 in Hilo. At $525,000 it earns $3,205/mo in rent and distributes $216/mo to the owner after the $2,361/mo payment, a consistent 7.33% yield. DSCR 1.36 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $145,048 in value; $4,835/yr in principal paydown compounds ownership stake. Total projected return: $211,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.4% |
| Monthly Cash Flow | $216 | $285 |
City averages based on Hilo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,205 |
| Total Monthly Debt Service | $2,781 |
| DSCR Ratio | 1.15x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1990
10,829 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96720, Hilo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,041 (100%) |
| Owner Occupied HU | 11,651 (58.1%) |
| Renter Occupied HU | 6,423 (32.0%) |
| Vacant Housing Units | 1,967 ( 9.8%) |
| Median Home Value | $598,069 |
| Average Home Value | $649,712 |
Housing Distribution
Address Breakdown
Residential
17,664
Single Family
15,439
Multi-Family
2,225
Businesses
2,357
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 1990
10,829 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96720, Hilo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,041 (100%) |
| Owner Occupied HU | 11,651 (58.1%) |
| Renter Occupied HU | 6,423 (32.0%) |
| Vacant Housing Units | 1,967 ( 9.8%) |
| Median Home Value | $598,069 |
| Average Home Value | $649,712 |
Housing Distribution
Address Breakdown
Residential
17,664
Single Family
15,439
Multi-Family
2,225
Businesses
2,357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices