98-1970 Kaahumanu St #128Pearl CityHI96782
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 98-1970 Kaahumanu St #128, Pearl City, HI, 96782 in Pearl City. Rental yield 5.29%. At $860,000 with 5.29% gross yield, current distributions are modest, but the 5% appreciation rate projects $237,602 in new equity by year five, complemented by $7,921/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.98) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $212,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.1% |
| Monthly Cash Flow | $(1,777) | $1,850 |
City averages based on Pearl City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,791 |
| Total Monthly Debt Service | $5,225 |
| DSCR Ratio | 0.73x |
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.
Single Family
Built in 1988
3,580 sqft lot
$N/A/sqft
$590 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
Single Family
Built in 1988
3,580 sqft lot
$N/A/sqft
$590 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: Kendra K Okihiro • Compass
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202512059
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-27 23:06:38 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd