5558 Pia StHonoluluHI96821
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5558 Pia St, Honolulu, HI, 96821 in Honolulu fits: $1,449,000, 4.39% gross yield, and a projected 5% annual appreciation rate adding $400,332 in value within five years. Rental yield 4.39%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.81) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,345/yr in principal paydown and $400,332 in appreciation project a total return of $356,762.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 4.2% |
| Monthly Cash Flow | $(2,945) | $18,500 |
City averages based on Honolulu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,306 |
| Total Monthly Debt Service | $7,675 |
| DSCR Ratio | 0.69x |
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 1958
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96821, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,547 (100%) |
| Owner Occupied HU | 5,729 (75.9%) |
| Renter Occupied HU | 1,190 (15.8%) |
| Vacant Housing Units | 628 ( 8.3%) |
| Median Home Value | $1,545,367 |
| Average Home Value | $1,564,417 |
Housing Distribution
Address Breakdown
Residential
6,878
Single Family
6,470
Multi-Family
408
Businesses
100
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 1958
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96821, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,547 (100%) |
| Owner Occupied HU | 5,729 (75.9%) |
| Renter Occupied HU | 1,190 (15.8%) |
| Vacant Housing Units | 628 ( 8.3%) |
| Median Home Value | $1,545,367 |
| Average Home Value | $1,564,417 |
Housing Distribution
Address Breakdown
Residential
6,878
Single Family
6,470
Multi-Family
408
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices