95-788 Ninole Loop Rd #49PahalaHI96777
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.74, 95-788 Ninole Loop Rd #49, Pahala, HI, 96777 in Pahala sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 9.37%. The 9.37% yield is backed by 5% annual appreciation projecting $64,926 in value gain, plus $2,164/yr in principal reduction. Total projected cumulative return: $47,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $(724) | $1,500 |
City averages based on Pahala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,835 |
| Total Monthly Debt Service | $2,466 |
| DSCR Ratio | 0.74x |
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.
Condo
Built in 1976
N/A lot
$N/A/sqft
$1,221 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96777, Pahala, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 563 (100%) |
| Owner Occupied HU | 362 (64.3%) |
| Renter Occupied HU | 126 (22.4%) |
| Vacant Housing Units | 75 (13.3%) |
| Median Home Value | $255,172 |
| Average Home Value | $342,935 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
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
Condo
Built in 1976
N/A lot
$N/A/sqft
$1,221 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96777, Pahala, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 563 (100%) |
| Owner Occupied HU | 362 (64.3%) |
| Renter Occupied HU | 126 (22.4%) |
| Vacant Housing Units | 75 (13.3%) |
| Median Home Value | $255,172 |
| Average Home Value | $342,935 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices