7146 Kamehameha V Hwy #B304KaunakakaiHI96748
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 7146 Kamehameha V Hwy #B304, Kaunakakai, HI, 96748 in Kaunakakai clears it at 1.76, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.5%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $35,640; $1,188/yr in principal equity; total projected return: $67,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $(524) | $500 |
City averages based on Kaunakakai market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,021 |
| Total Monthly Debt Service | $683 |
| DSCR Ratio | 1.49x |
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.
Condo
Built in 1975
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96748, Kaunakakai, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,979 (100%) |
| Owner Occupied HU | 1,071 (54.1%) |
| Renter Occupied HU | 539 (27.2%) |
| Vacant Housing Units | 369 (18.6%) |
| Median Home Value | $414,372 |
| Average Home Value | $546,141 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
354
Multi-Family
0
Businesses
217
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
Condo
Built in 1975
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96748, Kaunakakai, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,979 (100%) |
| Owner Occupied HU | 1,071 (54.1%) |
| Renter Occupied HU | 539 (27.2%) |
| Vacant Housing Units | 369 (18.6%) |
| Median Home Value | $414,372 |
| Average Home Value | $546,141 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
354
Multi-Family
0
Businesses
217
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: RAM
Mls ID: #408367