81-1031 Keopuka Mauka RdKealakekuaHI96750
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 81-1031 Keopuka Mauka Rd, Kealakekua, HI, 96750 in Kealakekua fits: $1,577,000, 4.42% gross yield, and a projected 5% annual appreciation rate adding $435,696 in value within five years. Rental yield 4.42%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.82) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $14,524/yr in principal paydown and $435,696 in appreciation project a total return of $390,790.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.5% |
| Monthly Cash Flow | $(3,167) | $200 |
City averages based on Kealakekua market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,813 |
| Total Monthly Debt Service | $8,353 |
| DSCR Ratio | 0.70x |
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 1982
1.25 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 1982
1.25 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: John J Reid • Go Luxe Realty
Mls Name: Hawaii Information Service
Mls ID: #724095