57-101 Kuilima Dr APT 126FKahukuHI96731
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 57-101 Kuilima Dr APT 126F, Kahuku, HI, 96731 in Kahuku is capital appreciation. Rental yield 4.19%. The 4.19% gross yield at $1,050,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $290,096 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.78) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $207,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 9.0% |
| Monthly Cash Flow | $(2,973) | $2,500 |
City averages based on Kahuku market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,666 |
| Total Monthly Debt Service | $6,221 |
| DSCR Ratio | 0.59x |
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.
Townhouse
Built in 1973
N/A lot
$N/A/sqft
$660 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96731, Kahuku, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,245 (100%) |
| Owner Occupied HU | 532 (42.7%) |
| Renter Occupied HU | 320 (25.7%) |
| Vacant Housing Units | 393 (31.6%) |
| Median Home Value | $889,344 |
| Average Home Value | $1,065,940 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
442
Multi-Family
189
Businesses
91
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
Townhouse
Built in 1973
N/A lot
$N/A/sqft
$660 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96731, Kahuku, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,245 (100%) |
| Owner Occupied HU | 532 (42.7%) |
| Renter Occupied HU | 320 (25.7%) |
| Vacant Housing Units | 393 (31.6%) |
| Median Home Value | $889,344 |
| Average Home Value | $1,065,940 |
Housing Distribution
Address Breakdown
Residential
631
Single Family
442
Multi-Family
189
Businesses
91
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jocelyn Okudara • Coldwell Banker Island Prop
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202421813
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-01-28 06:42:41 PST. Information is deemed reliable but not guaranteed. Copyright 2024 HiCentral MLS, Ltd