98-533 Kipaepae St #104AieaHI96701
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.43% gross rental yield, 98-533 Kipaepae St #104, Aiea, HI, 96701 in Aiea is priced for capital growth, not immediate cash flow. The $930,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $256,942 by year five, with $8,565/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.01) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $236,940.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 4.1% |
| Monthly Cash Flow | $(1,816) | $2,850 |
City averages based on Aiea market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,210 |
| Total Monthly Debt Service | $5,656 |
| 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.
Single Family
Built in 1979
N/A lot
$N/A/sqft
$730 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96701, Aiea, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,533 (100%) |
| Owner Occupied HU | 9,875 (63.6%) |
| Renter Occupied HU | 4,863 (31.3%) |
| Vacant Housing Units | 795 ( 5.1%) |
| Median Home Value | $1,046,533 |
| Average Home Value | $1,041,580 |
Housing Distribution
Address Breakdown
Residential
13,494
Single Family
9,455
Multi-Family
4,039
Businesses
1,538
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 1979
N/A lot
$N/A/sqft
$730 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96701, Aiea, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,533 (100%) |
| Owner Occupied HU | 9,875 (63.6%) |
| Renter Occupied HU | 4,863 (31.3%) |
| Vacant Housing Units | 795 ( 5.1%) |
| Median Home Value | $1,046,533 |
| Average Home Value | $1,041,580 |
Housing Distribution
Address Breakdown
Residential
13,494
Single Family
9,455
Multi-Family
4,039
Businesses
1,538
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mavis KL Nellas • Coldwell Banker Island Prop
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202511764
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-22 04:03:54 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd