47-583 Puapoo PlKaneoheHI96744
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 47-583 Puapoo Pl, Kaneohe, HI, 96744 in Kaneohe the bet is firmly on appreciation. Rental yield 4.89%. The 4.89% gross yield on a $1,375,000 price is below income-first thresholds, but 5%/yr value growth projects $379,887 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.91) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $369,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 3.8% |
| Monthly Cash Flow | $(2,317) | $2,100 |
City averages based on Kaneohe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,606 |
| Total Monthly Debt Service | $7,377 |
| DSCR Ratio | 0.76x |
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 1984
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96744, Kaneohe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,675 (100%) |
| Owner Occupied HU | 13,403 (68.1%) |
| Renter Occupied HU | 5,119 (26.0%) |
| Vacant Housing Units | 1,153 ( 5.9%) |
| Median Home Value | $1,201,508 |
| Average Home Value | $1,251,566 |
Housing Distribution
Address Breakdown
Residential
17,024
Single Family
14,215
Multi-Family
2,809
Businesses
1,331
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 1984
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96744, Kaneohe, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,675 (100%) |
| Owner Occupied HU | 13,403 (68.1%) |
| Renter Occupied HU | 5,119 (26.0%) |
| Vacant Housing Units | 1,153 ( 5.9%) |
| Median Home Value | $1,201,508 |
| Average Home Value | $1,251,566 |
Housing Distribution
Address Breakdown
Residential
17,024
Single Family
14,215
Multi-Family
2,809
Businesses
1,331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian C Lee • Coldwell Banker Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202516406
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-21 22:03:16 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd