4576 Kino PlKalaheoHI96741
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder4576 Kino Pl, Kalaheo, HI, 96741 in Kalaheo is a solid income-producing rental, 7.71% gross yield, $5,692/mo rent, $646/mo net cash flow on a $886,000 buy. DSCR 1.43 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $244,785 and $8,160/yr in principal reduction project a total cumulative return of $375,695.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $646 | $1,500 |
City averages based on Kalaheo 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 | $5,692 |
| Total Monthly Debt Service | $4,693 |
| DSCR Ratio | 1.21x |
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 1973
8,444 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96741, Kalaheo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,571 (100%) |
| Owner Occupied HU | 1,669 (64.9%) |
| Renter Occupied HU | 645 (25.1%) |
| Vacant Housing Units | 257 ( 10.0%) |
| Median Home Value | $890,918 |
| Average Home Value | $973,008 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
122
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 1973
8,444 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96741, Kalaheo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,571 (100%) |
| Owner Occupied HU | 1,669 (64.9%) |
| Renter Occupied HU | 645 (25.1%) |
| Vacant Housing Units | 257 ( 10.0%) |
| Median Home Value | $890,918 |
| Average Home Value | $973,008 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices