800 Kekaulike Ave UNIT BKulaHI96790
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 800 Kekaulike Ave UNIT B, Kula, HI, 96790 in Kula. Rental yield 4.15%. At $1,440,000 with 4.15% gross yield, current distributions are modest, but the 5% appreciation rate projects $397,845 in new equity by year five, complemented by $13,263/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.77) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $329,950.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.0% |
| Monthly Cash Flow | $(3,316) | $1,200 |
City averages based on Kula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,984 |
| Total Monthly Debt Service | $7,727 |
| DSCR Ratio | 0.64x |
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 2012
1.37 Acres lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96790, Kula, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,823 (100%) |
| Owner Occupied HU | 2,197 (57.5%) |
| Renter Occupied HU | 1,232 (32.2%) |
| Vacant Housing Units | 394 (10.3%) |
| Median Home Value | $1,229,803 |
| Average Home Value | $1,283,303 |
Housing Distribution
Address Breakdown
Residential
3,316
Single Family
3,316
Multi-Family
0
Businesses
125
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 2012
1.37 Acres lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96790, Kula, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,823 (100%) |
| Owner Occupied HU | 2,197 (57.5%) |
| Renter Occupied HU | 1,232 (32.2%) |
| Vacant Housing Units | 394 (10.3%) |
| Median Home Value | $1,229,803 |
| Average Home Value | $1,283,303 |
Housing Distribution
Address Breakdown
Residential
3,316
Single Family
3,316
Multi-Family
0
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices