7169A Aina Pono St #2KapaaHI96746
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 7169A Aina Pono St #2, Kapaa, HI, 96746 in Kapaa the bet is firmly on appreciation. Rental yield 5.49%. The 5.49% gross yield on a $1,390,000 price is below income-first thresholds, but 5%/yr value growth projects $384,031 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.02) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $423,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.0% |
| Monthly Cash Flow | $(1,561) | $300 |
City averages based on Kapaa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,354 |
| Total Monthly Debt Service | $7,362 |
| DSCR Ratio | 0.86x |
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 2021
0.25 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 2021
0.25 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