421467 Kalapahapuu RdPaauiloHI96776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 421467 Kalapahapuu Rd, Paauilo, HI, 96776 in Paauilo at $1,998,000, 1.67% gross yield, is a market-growth asset. Rental yield 1.67%. The $2,785/mo rent partially funds the $9,472/mo debt service; the core return is the 5%/yr price growth projected to add $552,011 over five years. Ziffy Mortgage's DSCR mortgage (0.29) 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: $162,758.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.0% |
| Monthly Cash Flow | $(8,592) | $1,200 |
City averages based on Paauilo 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 | $2,785 |
| Total Monthly Debt Service | $11,070 |
| DSCR Ratio | 0.25x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2013
40 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
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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
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