45-3514 Nanaina Kai RdHonokaaHI96727
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Honokaa at 45-3514 Nanaina Kai Rd, Honokaa, HI, 96727 projects strong ROI of 8.56%. Rental yield 2.82%. With 5% annual appreciation, the property builds $1,036,056 in value over five years. Equity growth combined delivers a projected five-year ROI of 57.91%, translating into $613,474 in total cumulative return on $1,059,375 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(12,554) | $150 |
City averages based on Honokaa 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 | $8,917 |
| Total Monthly Debt Service | $19,862 |
| DSCR Ratio | 0.45x |
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 2005
16.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96727, Honokaa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,299 (100%) |
| Owner Occupied HU | 1,459 (63.5%) |
| Renter Occupied HU | 552 (24.0%) |
| Vacant Housing Units | 288 (12.5%) |
| Median Home Value | $734,375 |
| Average Home Value | $800,195 |
Housing Distribution
Address Breakdown
Residential
495
Single Family
495
Multi-Family
0
Businesses
172
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 2005
16.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96727, Honokaa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,299 (100%) |
| Owner Occupied HU | 1,459 (63.5%) |
| Renter Occupied HU | 552 (24.0%) |
| Vacant Housing Units | 288 (12.5%) |
| Median Home Value | $734,375 |
| Average Home Value | $800,195 |
Housing Distribution
Address Breakdown
Residential
495
Single Family
495
Multi-Family
0
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cole Schlack • KW Big Island
Mls Name: Hawaii Information Service
Mls Provider:
Mls ID: #719489
Disclaimer: Copyright 2025 MLS Hawaii, Inc. All rights reserved. IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Listing Information presented by local MLS brokerage: Zillow, Inc., local broker - Joel Backman - (808) 437-8500. [Click here for more information](/mls-disclaimers/#726)