54-426 Kapaau Rd #AKapaauHI96755
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 54-426 Kapaau Rd #A, Kapaau, HI, 96755 in Kapaau. Rental yield 3.13%. At $850,000 with 3.13% gross yield, current distributions are modest, but the 5% appreciation rate projects $234,839 in new equity by year five, complemented by $7,829/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.58) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $151,858.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.0% |
| Monthly Cash Flow | $(2,620) | $300 |
City averages based on Kapaau market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $4,502 |
| DSCR Ratio | 0.49x |
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 1944
N/A 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 1944
N/A 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
Listed by: Jeffrey A Hughes • List Sotheby's Int'l Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202502895
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-23 05:19:37 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd