67-1297 Puaena StKamuelaHI96743
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play67-1297 Puaena St, Kamuela, HI, 96743 in Kamuela is priced for appreciation, not yield. Rental yield 4.73%. At $1,275,000 with a 4.73% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $352,259 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.88) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $337,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(2,293) | $1,500 |
City averages based on Kamuela market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,029 |
| Total Monthly Debt Service | $6,753 |
| DSCR Ratio | 0.74x |
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 2007
7,512 sqft 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 2007
7,512 sqft 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