5-6671 Kuhio HwyHanaleiHI96714
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 5-6671 Kuhio Hwy, Hanalei, HI, 96714 in Hanalei the bet is firmly on appreciation. Rental yield 4.12%. The 4.12% gross yield on a $1,600,000 price is below income-first thresholds, but 5%/yr value growth projects $442,051 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.76) 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: $370,358.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.5% |
| Monthly Cash Flow | $(3,618) | $1,200 |
City averages based on Hanalei market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,493 |
| Total Monthly Debt Service | $8,475 |
| DSCR Ratio | 0.65x |
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 1974
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96714, Hanalei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
25
Single Family
25
Multi-Family
0
Businesses
166
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 1974
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96714, Hanalei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
25
Single Family
25
Multi-Family
0
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices