53-354 Old Halaula Mill RdKapaauHI96755
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 53-354 Old Halaula Mill Rd, Kapaau, HI, 96755 in Kapaau at $1,200,000, 3.76% gross yield, is a market-growth asset. Rental yield 3.76%. The $3,757/mo rent partially funds the $5,396/mo debt service; the core return is the 5%/yr price growth projected to add $331,538 over five years. Ziffy Mortgage's DSCR mortgage (0.70) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $250,001.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(3,150) | $300 |
City averages based on Kapaau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,757 |
| Total Monthly Debt Service | $6,430 |
| DSCR Ratio | 0.58x |
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 2019
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96755, Kapaau, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 759 (62.3%) |
| Renter Occupied HU | 338 (27.7%) |
| Vacant Housing Units | 122 (10.0%) |
| Median Home Value | $783,420 |
| Average Home Value | $862,714 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
81
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 2019
9 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96755, Kapaau, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,219 (100%) |
| Owner Occupied HU | 759 (62.3%) |
| Renter Occupied HU | 338 (27.7%) |
| Vacant Housing Units | 122 (10.0%) |
| Median Home Value | $783,420 |
| Average Home Value | $862,714 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices