51-636 Kamehameha Hwy APT 414KaaawaHI96730
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 51-636 Kamehameha Hwy APT 414, Kaaawa, HI, 96730 in Kaaawa achieves 1.66, rent of $4,012/mo covers the $2,423/mo payment 1.5x over at $538,888. Rental yield 8.93%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $148,885 over five years, with $4,963/yr in principal reduction bringing total projected return to $263,885.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $(145) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,012 |
| Total Monthly Debt Service | $2,854 |
| DSCR Ratio | 1.41x |
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.
Townhouse
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96730, Kaaawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 677 (100%) |
| Owner Occupied HU | 387 (57.2%) |
| Renter Occupied HU | 192 (28.4%) |
| Vacant Housing Units | 98 (14.5%) |
| Median Home Value | $1,151,471 |
| Average Home Value | $1,185,556 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
41
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96730, Kaaawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 677 (100%) |
| Owner Occupied HU | 387 (57.2%) |
| Renter Occupied HU | 192 (28.4%) |
| Vacant Housing Units | 98 (14.5%) |
| Median Home Value | $1,151,471 |
| Average Home Value | $1,185,556 |
Housing Distribution
Address Breakdown
Residential
283
Single Family
283
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
