51-636 Kamehameha Hwy APT 414KaaawaHI96730
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 51-636 Kamehameha Hwy APT 414, Kaaawa, HI, 96730 in Kaaawa. At $538,888 it earns $3,518/mo in rent and distributes $450/mo to the owner after the $2,423/mo payment, a consistent 7.83% yield. DSCR 1.45 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $148,885 in value; $4,963/yr in principal paydown compounds ownership stake. Total projected return: $166,817.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $450 | $500 |
City averages based on Kaaawa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,518 |
| Total Monthly Debt Service | $3,942 |
| DSCR Ratio | 0.89x |
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.
Townhouse
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96730, Kaaawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 677 (100%) |
| Owner Occupied HU | 387 (57.2%) |
| Renter Occupied HU | 192 (28.4%) |
| Vacant Housing Units | 98 (14.5%) |
| Median Home Value | $1,151,471 |
| Average Home Value | $1,185,556 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
41
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
Townhouse
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96730, Kaaawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 677 (100%) |
| Owner Occupied HU | 387 (57.2%) |
| Renter Occupied HU | 192 (28.4%) |
| Vacant Housing Units | 98 (14.5%) |
| Median Home Value | $1,151,471 |
| Average Home Value | $1,185,556 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Evelyn F Rooney • Locations LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202502505
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-23 01:18:47 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd