42-817 Hawaii Belt RdHiloHI96776
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 42-817 Hawaii Belt Rd, Hilo, HI, 96776 in Hilo speaks for itself: 10.66% gross on a $510,000 price, generating $4,530/mo in rent and $1,626/mo in net income after the $2,293/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,510 stacks alongside $140,904 in projected five-year appreciation and $4,697/yr in principal reduction. Projected total cumulative return: $296,915.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 5.4% |
| Monthly Cash Flow | $1,626 | $285 |
City averages based on Hilo 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 | $4,530 |
| Total Monthly Debt Service | $2,701 |
| DSCR Ratio | 1.68x |
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 1941
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96776, Paauilo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 432 (100%) |
| Owner Occupied HU | 295 (68.3%) |
| Renter Occupied HU | 69 (16.0%) |
| Vacant Housing Units | 68 (15.7%) |
| Median Home Value | $630,357 |
| Average Home Value | $739,051 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
24
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 1941
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96776, Paauilo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 432 (100%) |
| Owner Occupied HU | 295 (68.3%) |
| Renter Occupied HU | 69 (16.0%) |
| Vacant Housing Units | 68 (15.7%) |
| Median Home Value | $630,357 |
| Average Home Value | $739,051 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
