55-431 Iosepa St UNIT DLaieHI96762
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 55-431 Iosepa St UNIT D, Laie, HI, 96762 in Laie. Rental yield 5.54%. At $995,000 with 5.54% gross yield, current distributions are modest, but the 5% appreciation rate projects $274,900 in new equity by year five, complemented by $9,164/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.03) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $306,152.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.0% |
| Monthly Cash Flow | $(1,072) | $1,200 |
City averages based on Laie market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,594 |
| Total Monthly Debt Service | $5,270 |
| DSCR Ratio | 0.87x |
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 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96762, Laie, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,300 (100%) |
| Owner Occupied HU | 481 (37.0%) |
| Renter Occupied HU | 579 (44.5%) |
| Vacant Housing Units | 240 (18.5%) |
| Median Home Value | $1,249,101 |
| Average Home Value | $1,284,200 |
Housing Distribution
Address Breakdown
Residential
780
Single Family
780
Multi-Family
0
Businesses
69
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 2021
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96762, Laie, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,300 (100%) |
| Owner Occupied HU | 481 (37.0%) |
| Renter Occupied HU | 579 (44.5%) |
| Vacant Housing Units | 240 (18.5%) |
| Median Home Value | $1,249,101 |
| Average Home Value | $1,284,200 |
Housing Distribution
Address Breakdown
Residential
780
Single Family
780
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices