94-6491 Kamaoa RdNaalehuHI96772
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 94-6491 Kamaoa Rd, Naalehu, HI, 96772 in Naalehu is a conservative rental investment at $595,500. The 6.99% yield from $3,467/mo in rent nets $76/mo after the $2,678/mo debt. A 1.29 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $164,526; $5,485/yr in principal paydown supplements. Total projected return: $229,399.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 4.2% |
| Monthly Cash Flow | $76 | $1,850 |
City averages based on Naalehu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,467 |
| Total Monthly Debt Service | $3,154 |
| DSCR Ratio | 1.10x |
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 1989
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96772, Naalehu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,233 (100%) |
| Owner Occupied HU | 793 (64.3%) |
| Renter Occupied HU | 221 (17.9%) |
| Vacant Housing Units | 219 (17.8%) |
| Median Home Value | $453,667 |
| Average Home Value | $545,832 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
73
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 1989
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96772, Naalehu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,233 (100%) |
| Owner Occupied HU | 793 (64.3%) |
| Renter Occupied HU | 221 (17.9%) |
| Vacant Housing Units | 219 (17.8%) |
| Median Home Value | $453,667 |
| Average Home Value | $545,832 |
Housing Distribution
Address Breakdown
Residential
45
Single Family
45
Multi-Family
0
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices