54 Derby LnHiloHI96720
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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
Investment Highlights
Rental property for sale in Hilo at 54 Derby Ln, Hilo, HI, 96720 priced at $435,000 converts $2,627/mo rent into $150/mo cash flow after a $2,129/mo obligation. Total monthly income equals $2,627/mo, and annual cash flow totals $1,800/yr on $144,203 invested. Return on cash invested prints 21.16% in year one, and rental yield reads 7.25% against a $435,000 entry. Equity gained on principal adds $2,807/yr, while 5% annual appreciation compiles into $120,182 by year five. Five-year ROI reaches 108.88% and total cumulative return in cash sums $157,008. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $2,627/mo property income covering a $2,129/mo payment, not borrower’s personal income.
Single Family
Built in 1967
3,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96720, Hilo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,041 (100%) |
| Owner Occupied HU | 11,651 (58.1%) |
| Renter Occupied HU | 6,423 (32.0%) |
| Vacant Housing Units | 1,967 ( 9.8%) |
| Median Home Value | $598,069 |
| Average Home Value | $649,712 |
Housing Distribution
Address Breakdown
Residential
17,664
Single Family
15,439
Multi-Family
2,225
Businesses
2,357
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