64-5285 Puu Nanea StKamuelaHI96743
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 64-5285 Puu Nanea St, Kamuela, HI, 96743 in Kamuela is listed at $920,000 and delivers $5,954/mo in rent and $715/mo in net monthly cash flow. The 7.77% yield and 1.44 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $254,179 over five years, and $8,473/yr in principal reduction supplements cash return. Total projected cumulative return: $392,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $715 | $1,500 |
City averages based on Kamuela market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,954 |
| Total Monthly Debt Service | $4,873 |
| DSCR Ratio | 1.22x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2002
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96743, Kamuela, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,368 (100%) |
| Owner Occupied HU | 3,686 (50.0%) |
| Renter Occupied HU | 1,338 (18.2%) |
| Vacant Housing Units | 2,344 (31.8%) |
| Median Home Value | $917,991 |
| Average Home Value | $1,148,378 |
Housing Distribution
Address Breakdown
Residential
4,010
Single Family
2,841
Multi-Family
1,169
Businesses
683
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 2002
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96743, Kamuela, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,368 (100%) |
| Owner Occupied HU | 3,686 (50.0%) |
| Renter Occupied HU | 1,338 (18.2%) |
| Vacant Housing Units | 2,344 (31.8%) |
| Median Home Value | $917,991 |
| Average Home Value | $1,148,378 |
Housing Distribution
Address Breakdown
Residential
4,010
Single Family
2,841
Multi-Family
1,169
Businesses
683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices