91-2030 Kaioli St APT 5905Ewa BeachHI96706
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 91-2030 Kaioli St APT 5905, Ewa Beach, HI, 96706 in Ewa Beach fits: $765,000, 5.8% gross yield, and a projected 5% annual appreciation rate adding $211,355 in value within five years. Rental yield 5.8%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.07) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,046/yr in principal paydown and $211,355 in appreciation project a total return of $212,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.3% |
| Monthly Cash Flow | $(1,220) | $1,850 |
City averages based on Ewa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,696 |
| Total Monthly Debt Service | $4,612 |
| DSCR Ratio | 0.80x |
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.
Townhouse
Built in 2006
N/A lot
$N/A/sqft
$550 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96706, Ewa Beach, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,276 (100%) |
| Owner Occupied HU | 17,008 (67.3%) |
| Renter Occupied HU | 7,122 (28.2%) |
| Vacant Housing Units | 1,146 ( 4.5%) |
| Median Home Value | $880,792 |
| Average Home Value | $956,583 |
Housing Distribution
Address Breakdown
Residential
24,009
Single Family
21,938
Multi-Family
2,071
Businesses
516
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
Townhouse
Built in 2006
N/A lot
$N/A/sqft
$550 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96706, Ewa Beach, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,276 (100%) |
| Owner Occupied HU | 17,008 (67.3%) |
| Renter Occupied HU | 7,122 (28.2%) |
| Vacant Housing Units | 1,146 ( 4.5%) |
| Median Home Value | $880,792 |
| Average Home Value | $956,583 |
Housing Distribution
Address Breakdown
Residential
24,009
Single Family
21,938
Multi-Family
2,071
Businesses
516
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erica Yoon • Real Broker, LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202507296
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-04-03 10:58:02 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd