49 Lipoa St APT 107KiheiHI96753
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 49 Lipoa St APT 107, Kihei, HI, 96753 in Kihei worth study. Rental yield 5.82%. The 5.82% gross yield is below cash-flow benchmarks at $610,000, but 5% annual appreciation, adding $168,532 over five years, frames this as a capital growth position. Rent of $2,960/mo partially offsets the $2,743/mo payment. Ziffy Mortgage finances appreciation-play properties (1.08 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $96,736.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.2% |
| Monthly Cash Flow | $(2,184) | $2,800 |
City averages based on Kihei market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,960 |
| Total Monthly Debt Service | $4,902 |
| DSCR Ratio | 0.60x |
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.
Condo
Built in N/A
2.09 Acres lot
$N/A/sqft
$892 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96753, Kihei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,747 (100%) |
| Owner Occupied HU | 6,648 (35.5%) |
| Renter Occupied HU | 5,193 (27.7%) |
| Vacant Housing Units | 6,906 (36.8%) |
| Median Home Value | $1,034,363 |
| Average Home Value | $1,151,236 |
Housing Distribution
Address Breakdown
Residential
14,810
Single Family
10,255
Multi-Family
4,555
Businesses
982
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
Condo
Built in N/A
2.09 Acres lot
$N/A/sqft
$892 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96753, Kihei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,747 (100%) |
| Owner Occupied HU | 6,648 (35.5%) |
| Renter Occupied HU | 5,193 (27.7%) |
| Vacant Housing Units | 6,906 (36.8%) |
| Median Home Value | $1,034,363 |
| Average Home Value | $1,151,236 |
Housing Distribution
Address Breakdown
Residential
14,810
Single Family
10,255
Multi-Family
4,555
Businesses
982
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dave Englert RB-22527 • Rentals Maui Inc
Mls Name: RAM
Mls Provider:
Mls ID: #404172
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