430 Kaiolu St APT 202HonoluluHI96815
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowAt $350,000, 430 Kaiolu St APT 202, Honolulu, HI, 96815 in Honolulu generates $3,007/mo in rent (10.3% yield) but nets only $181/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.91) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $96,699. Total projected return: $147,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 4.2% |
| Monthly Cash Flow | $181 | $18,500 |
City averages based on Honolulu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,007 |
| Total Monthly Debt Service | $2,684 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1961
N/A lot
$N/A/sqft
$803 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96815, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,957 (100%) |
| Owner Occupied HU | 6,829 (28.5%) |
| Renter Occupied HU | 9,326 (38.9%) |
| Vacant Housing Units | 7,802 (32.6%) |
| Median Home Value | $741,337 |
| Average Home Value | $949,527 |
Housing Distribution
Address Breakdown
Residential
21,794
Single Family
2,824
Multi-Family
18,970
Businesses
1,472
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
Condo
Built in 1961
N/A lot
$N/A/sqft
$803 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96815, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,957 (100%) |
| Owner Occupied HU | 6,829 (28.5%) |
| Renter Occupied HU | 9,326 (38.9%) |
| Vacant Housing Units | 7,802 (32.6%) |
| Median Home Value | $741,337 |
| Average Home Value | $949,527 |
Housing Distribution
Address Breakdown
Residential
21,794
Single Family
2,824
Multi-Family
18,970
Businesses
1,472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer P Peele • Royal Realty LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202509367
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-04-20 10:33:28 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd