92-1136 Hame St #202KapoleiHI96707
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Kapolei rental at 92-1136 Hame St #202, Kapolei, HI, 96707 sits in the solid-income band: 7.8% gross yield, $3,284/mo rent, $399/mo net after the $2,271/mo debt service, DSCR 1.45. Entry price of $505,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $139,522 and $4,651/yr in principal reduction bring total cumulative return to $216,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $399 | $2,400 |
City averages based on Kapolei market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,284 |
| Total Monthly Debt Service | $2,675 |
| DSCR Ratio | 1.23x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1991
N/A lot
$N/A/sqft
No 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
Single Family
Built in 1991
N/A lot
$N/A/sqft
No 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