6151 Kawaihau RdKapaaHI96746
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 6151 Kawaihau Rd, Kapaa, HI, 96746 in Kapaa fits: $1,650,000, 2.97% gross yield, and a projected 5% annual appreciation rate adding $455,865 in value within five years. Rental yield 2.97%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.55) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,197/yr in principal paydown and $455,865 in appreciation project a total return of $280,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(5,314) | $300 |
City averages based on Kapaa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,082 |
| Total Monthly Debt Service | $8,739 |
| DSCR Ratio | 0.47x |
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 1961
3.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96746, Kapaa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,360 (100%) |
| Owner Occupied HU | 4,490 (53.7%) |
| Renter Occupied HU | 2,730 (32.7%) |
| Vacant Housing Units | 1,140 (13.6%) |
| Median Home Value | $859,137 |
| Average Home Value | $913,057 |
Housing Distribution
Address Breakdown
Residential
6,038
Single Family
5,927
Multi-Family
111
Businesses
566
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 1961
3.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96746, Kapaa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,360 (100%) |
| Owner Occupied HU | 4,490 (53.7%) |
| Renter Occupied HU | 2,730 (32.7%) |
| Vacant Housing Units | 1,140 (13.6%) |
| Median Home Value | $859,137 |
| Average Home Value | $913,057 |
Housing Distribution
Address Breakdown
Residential
6,038
Single Family
5,927
Multi-Family
111
Businesses
566
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices