45-504 Kahili StHonokaaHI96727
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.04% yield at 45-504 Kahili St, Honokaa, HI, 96727 in Honokaa is solid, but the $2,428/mo payment compresses net cash flow to $92/mo at $540,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $149,192 by year five, and $4,973/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.30) without U.S. income documentation. Total projected return: $209,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $92 | $150 |
City averages based on Honokaa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,167 |
| Total Monthly Debt Service | $2,860 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 1937
6,147 sqft 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 1937
6,147 sqft 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