439 Ilimano StKailuaHI96734
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 439 Ilimano St, Kailua, HI, 96734 in Kailua. Rental yield 5.26%. At $1,520,000 with 5.26% gross yield, current distributions are modest, but the 5% appreciation rate projects $419,948 in new equity by year five, complemented by $13,999/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $425,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.2% |
| Monthly Cash Flow | $(2,323) | $500 |
City averages based on Kailua market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,662 |
| Total Monthly Debt Service | $8,380 |
| DSCR Ratio | 0.79x |
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 1958
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96734, Kailua, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,329 (100%) |
| Owner Occupied HU | 10,406 (56.8%) |
| Renter Occupied HU | 6,356 (34.7%) |
| Vacant Housing Units | 1,567 ( 8.5%) |
| Median Home Value | $1,399,010 |
| Average Home Value | $1,455,534 |
Housing Distribution
Address Breakdown
Residential
16,002
Single Family
14,458
Multi-Family
1,544
Businesses
1,225
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 1958
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96734, Kailua, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,329 (100%) |
| Owner Occupied HU | 10,406 (56.8%) |
| Renter Occupied HU | 6,356 (34.7%) |
| Vacant Housing Units | 1,567 ( 8.5%) |
| Median Home Value | $1,399,010 |
| Average Home Value | $1,455,534 |
Housing Distribution
Address Breakdown
Residential
16,002
Single Family
14,458
Multi-Family
1,544
Businesses
1,225
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracey Anne Stott Kelley • Stott Real Estate, Inc.
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202513957
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-11-04 21:08:34 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd