79-7403 Hawaii Belt RdKealakekuaHI96750
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play79-7403 Hawaii Belt Rd, Kealakekua, HI, 96750 in Kealakekua is priced for appreciation, not yield. Rental yield 3.56%. At $1,369,000 with a 3.56% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $378,229 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.66) 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: $276,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 7.5% |
| Monthly Cash Flow | $(3,730) | $200 |
City averages based on Kealakekua market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,066 |
| Total Monthly Debt Service | $7,251 |
| DSCR Ratio | 0.56x |
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 1965
6.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96750, Kealakekua, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 518 (57.5%) |
| Renter Occupied HU | 286 (31.7%) |
| Vacant Housing Units | 97 (10.8%) |
| Median Home Value | $740,148 |
| Average Home Value | $880,878 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
274
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 1965
6.99 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96750, Kealakekua, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 518 (57.5%) |
| Renter Occupied HU | 286 (31.7%) |
| Vacant Housing Units | 97 (10.8%) |
| Median Home Value | $740,148 |
| Average Home Value | $880,878 |
Housing Distribution
Address Breakdown
Residential
529
Single Family
529
Multi-Family
0
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sue Brown • Sue Brown Realty and Associates
Mls Name: Hawaii Information Service
Mls ID: #720435