98-1386 Hinu Pl #46Pearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 98-1386 Hinu Pl #46, Pearl City, HI, 96782 in Pearl City achieves a 1.59 ratio at $485,000: $3,470/mo rent versus $2,181/mo debt service. Rental yield 7.15%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 7.15% yield compounds alongside 5% annual appreciation projecting $133,997 in value. Total projected cumulative return: $171,225.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.1% |
| Monthly Cash Flow | $(824) | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,470 |
| Total Monthly Debt Service | $3,522 |
| DSCR Ratio | 0.99x |
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 1975
N/A lot
$N/A/sqft
$946 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96782, Pearl City, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,858 (100%) |
| Owner Occupied HU | 7,902 (61.5%) |
| Renter Occupied HU | 4,295 (33.4%) |
| Vacant Housing Units | 661 ( 5.1%) |
| Median Home Value | $883,637 |
| Average Home Value | $889,250 |
Housing Distribution
Address Breakdown
Residential
11,618
Single Family
9,637
Multi-Family
1,981
Businesses
855
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 1975
N/A lot
$N/A/sqft
$946 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96782, Pearl City, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,858 (100%) |
| Owner Occupied HU | 7,902 (61.5%) |
| Renter Occupied HU | 4,295 (33.4%) |
| Vacant Housing Units | 661 ( 5.1%) |
| Median Home Value | $883,637 |
| Average Home Value | $889,250 |
Housing Distribution
Address Breakdown
Residential
11,618
Single Family
9,637
Multi-Family
1,981
Businesses
855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Myron N Kiriu • BHGRE Advantage Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202502819
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-04-24 10:54:09 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd