92-1063 Koio Dr #E-M40-5KapoleiHI96707
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 92-1063 Koio Dr #E-M40-5, Kapolei, HI, 96707 in Kapolei. Rental yield 4.48%. At $1,287,000 with 4.48% gross yield, current distributions are modest, but the 5% appreciation rate projects $355,574 in new equity by year five, complemented by $11,853/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.83) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $313,717.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(2,676) | $2,400 |
City averages based on Kapolei market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $6,964 |
| DSCR Ratio | 0.69x |
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 2005
N/A lot
$N/A/sqft
$147 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96707, Kapolei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,757 (100%) |
| Owner Occupied HU | 10,051 (63.8%) |
| Renter Occupied HU | 4,465 (28.3%) |
| Vacant Housing Units | 1,241 ( 7.9%) |
| Median Home Value | $883,195 |
| Average Home Value | $953,878 |
Housing Distribution
Address Breakdown
Residential
14,810
Single Family
13,546
Multi-Family
1,264
Businesses
1,131
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 2005
N/A lot
$N/A/sqft
$147 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96707, Kapolei, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,757 (100%) |
| Owner Occupied HU | 10,051 (63.8%) |
| Renter Occupied HU | 4,465 (28.3%) |
| Vacant Housing Units | 1,241 ( 7.9%) |
| Median Home Value | $883,195 |
| Average Home Value | $953,878 |
Housing Distribution
Address Breakdown
Residential
14,810
Single Family
13,546
Multi-Family
1,264
Businesses
1,131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lauren Robin • Heyer & Associates LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202416126
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-23 00:48:46 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd