43-2114 Pohakea Mauka RdPaauiloHI96776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 43-2114 Pohakea Mauka Rd, Paauilo, HI, 96776 in Paauilo worth study. Rental yield 4.89%. The 4.89% gross yield is below cash-flow benchmarks at $929,000, but 5% annual appreciation, adding $256,666 over five years, frames this as a capital growth position. Rent of $3,786/mo partially offsets the $4,177/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $253,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(1,504) | $1,200 |
City averages based on Paauilo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,786 |
| Total Monthly Debt Service | $4,921 |
| DSCR Ratio | 0.77x |
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 2021
5 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 2021
5 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