96-1160 Kamani StPahalaHI96777
INVESTMENT ANALYSIS
Investment Verdict
Solid Income96-1160 Kamani St, Pahala, HI, 96777 in Pahala is a solid income-producing rental, 8.28% gross yield, $1,511/mo rent, $264/mo net cash flow on a $219,000 buy. DSCR 1.53 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $60,506 and $2,017/yr in principal reduction project a total cumulative return of $99,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $264 | $1,500 |
City averages based on Pahala market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,511 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 1.30x |
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 1968
0.26 Acres lot
$N/A/sqft
No 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
Single Family
Built in 1968
0.26 Acres lot
$N/A/sqft
No 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