14-3475 Tutu Rd · Nanawale Estates, HI 96778

$230,000

4 bd · 2.0 ba · 900 sqft · SingleFamily · 224 Days on market

Built 2024 Good condition 9,280 sqft lot $256/sqft · 43% above area Est $161k · 43% over $9/mo HOA ↓ 12% since listing

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.4/30.0
• DSCR +5.1/10.0
• 1% rule +4.5/10.0
• Condition / age +4.0/5.0
• Schools +3.7/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come home to this newly built home with four bedrooms and two full bathrooms. The home is completely off grid with eight 400w Solar panels, four 5200W batteries The home has four water filters plus an Ultraviolet (UV) lamp system. Comes with a washer/dryer, 55' Wall mounted TV, Two phone charging couches, up-to-date stove range (that connects to the phone), a knock-knock refrigerator (that connects to the phone), a deep freezer and some light switches that display the time, date and the weather (they connect to your phone and act as an intercom between each other), Starlink and a cellphone booster are installed into the home. The home will come with security cameras that connect to your phone and motion sensor lights. There are multiple solar power fans installed throughout the upper walls to blow any sort of hot or humid air out and a A/C unit installed in the primary bedroom. The property is 9000sqft which makes managing the property a lot easier than most. The property is fully fenced with a gate and solar-powered lights on the posts. Along the front of the property there is a Japanese Mandarin tree, Pink Lemon tree, Starfruit tree, Banana tree, Lilikoi bush, Bamboo and a groomed tree to protect the Land. In the back of the property is a 10×10 work shop with windows and a lockable door, and a large Husky tool box with power connected. There is a 1200 gallon septic tank with a Leech field. Including a chicken coupe and a fenced in area for roaming. On the side of the property there is a small garden area with Various herb-type plants such as spearmint, peppermint, lemon balm, sage, aloe vera etc. Down the driveway is a large flattened gravel area that can have various uses. The home is located in a quiet corner of the subdivision with very little traffic. Community center has a park and salt water pool; neighboring lots are vacant.

Key facts

• Security cameras
• Water filters
• Solar power fans

Tags

• SOLAR PANELS
• WATER FILTERS
• ULTRAVIOLET LAMP SYSTEM
• SECURITY CAMERAS
• MOTION SENSOR LIGHTS
• SOLAR POWER FANS

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $230k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $132 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $219k (4.8% below list).
• Recommended offer: $202k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#78 in HI) — a middle-class / working-renter tenant base. Strengths: crime A+, housing B; Watch: employment C-, health & safety C-, schools F.
• Hawaii Department Of Education (suburban): math 32% / reading 50% proficiency, ranked #1 of 1 in HI (top 100%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 387 active listings in the ZIP; 982 units permitted in Hawaii County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Hawaii County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 224 days — a 12% lower offer ($202k) is reasonable based on typical stale-listing flexibility.

Recommended offer $202,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 224 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.95% ✗
• Cap rate: 6.98%
• Cash-on-cash: 2.46%
• DSCR: 1.11
• GRM: 8.8

CMA / ARV

• ARV (median comp): $161,137
• List price: $230,000
• Delta: 42.74%
• Verdict: OVERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -12.4%
• Equity multiple: 0.55×
• Total profit: $-28,831
• Equity at exit: $34,294

10-year hold

• IRR: -3.3%
• Equity multiple: 0.78×
• Total profit: $-14,132
• Equity at exit: $19,886

Cash invested: $64,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 37 Tenant-Leaning
• State Hawaii: 37 Tenant-Leaning · D+13
• County: — inherits STATE
• City: — inherits STATE

Honolulu has source-of-income protections; warranty of habitability strong.

Methodology + full state rankings →

ZIP-level market 96778

• Home prices YoY: -15.3%
• Active inventory: 387
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,190 medium
• Mortgage (P&I): −$1,206
• Tax est. 1.5%: −$288 /mo · $3,450/yr
• Insurance: −$96
• HOA: −$9
• Vacancy / Maint / Mgmt: −$460
• Net cashflow: $132

Break-even live

Break-even rent $2,023

Max offer price $230,000

Occupancy floor 89%

Sensitivity live

Price	-10% $291	-5% $211	+0% $132	+5% $52	+10% $-27
Rent	-10% $-41	-5% $45	+0% $132	+5% $218	+10% $305
Rate	-1.0pp $248	-0.5pp $190	base $132	+0.5pp $72	+1.0pp $12

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $9 · $108/yr
• Likely covers: waterpoolsecurity

Listing history 18 events

1. 2026-06-18
   days on market $230,000 Active 224 DOM
2. 2026-06-17
   days on market $230,000 Active 223 DOM
3. 2026-06-15
   days on market $230,000 Active 221 DOM
4. 2026-06-13
   days on market $230,000 Active 219 DOM
5. 2026-06-13
   days on market $230,000 Active 218 DOM
6. 2026-06-10
   days on market $230,000 Active 216 DOM
7. 2026-06-09
   days on market $230,000 Active 215 DOM
8. 2026-06-08
   days on market $230,000 Active 214 DOM
9. 2026-06-07
   days on market $230,000 Active 213 DOM
10. 2026-06-05
    days on market $230,000 Active 210 DOM
11. 2026-06-03
    days on market $230,000 Active 209 DOM
12. 2026-06-02
    days on market $230,000 Active 208 DOM
13. 2026-06-01
    days on market $230,000 Active 207 DOM
14. 2026-05-31
    days on market $230,000 Active 206 DOM
15. 2026-05-13
    price $230,000 1872-char remark

    Show marketing remark (1872 chars)

    Come home to this newly built home with four bedrooms and two full bathrooms. The home is completely off grid with eight 400w Solar panels, four 5200W batteries The home has four water filters plus an Ultraviolet (UV) lamp system. Comes with a washer/dryer, 55' Wall mounted TV, Two phone charging couches, up-to-date stove range (that connects to the phone), a knock-knock refrigerator (that connects to the phone), a deep freezer and some light switches that display the time, date and the weather (they connect to your phone and act as an intercom between each other), Starlink and a cellphone booster are installed into the home. The home will come with security cameras that connect to your phone and motion sensor lights. There are multiple solar power fans installed throughout the upper walls to blow any sort of hot or humid air out and a A/C unit installed in the primary bedroom. The property is 9000sqft which makes managing the property a lot easier than most. The property is fully fenced with a gate and solar-powered lights on the posts. Along the front of the property there is a Japanese Mandarin tree, Pink Lemon tree, Starfruit tree, Banana tree, Lilikoi bush, Bamboo and a groomed tree to protect the Land. In the back of the property is a 10×10 work shop with windows and a lockable door, and a large Husky tool box with power connected. There is a 1200 gallon septic tank with a Leech field. Including a chicken coupe and a fenced in area for roaming. On the side of the property there is a small garden area with Various herb-type plants such as spearmint, peppermint, lemon balm, sage, aloe vera etc. Down the driveway is a large flattened gravel area that can have various uses. The home is located in a quiet corner of the subdivision with very little traffic. Community center has a park and salt water pool; neighboring lots are vacant.

16. 2026-04-08
    price $240,000 1872-char remark

    Show marketing remark (1872 chars)

    Come home to this newly built home with four bedrooms and two full bathrooms. The home is completely off grid with eight 400w Solar panels, four 5200W batteries The home has four water filters plus an Ultraviolet (UV) lamp system. Comes with a washer/dryer, 55' Wall mounted TV, Two phone charging couches, up-to-date stove range (that connects to the phone), a knock-knock refrigerator (that connects to the phone), a deep freezer and some light switches that display the time, date and the weather (they connect to your phone and act as an intercom between each other), Starlink and a cellphone booster are installed into the home. The home will come with security cameras that connect to your phone and motion sensor lights. There are multiple solar power fans installed throughout the upper walls to blow any sort of hot or humid air out and a A/C unit installed in the primary bedroom. The property is 9000sqft which makes managing the property a lot easier than most. The property is fully fenced with a gate and solar-powered lights on the posts. Along the front of the property there is a Japanese Mandarin tree, Pink Lemon tree, Starfruit tree, Banana tree, Lilikoi bush, Bamboo and a groomed tree to protect the Land. In the back of the property is a 10×10 work shop with windows and a lockable door, and a large Husky tool box with power connected. There is a 1200 gallon septic tank with a Leech field. Including a chicken coupe and a fenced in area for roaming. On the side of the property there is a small garden area with Various herb-type plants such as spearmint, peppermint, lemon balm, sage, aloe vera etc. Down the driveway is a large flattened gravel area that can have various uses. The home is located in a quiet corner of the subdivision with very little traffic. Community center has a park and salt water pool; neighboring lots are vacant.

17. 2025-12-01
    price $250,000 1872-char remark

    Show marketing remark (1872 chars)

    Come home to this newly built home with four bedrooms and two full bathrooms. The home is completely off grid with eight 400w Solar panels, four 5200W batteries The home has four water filters plus an Ultraviolet (UV) lamp system. Comes with a washer/dryer, 55' Wall mounted TV, Two phone charging couches, up-to-date stove range (that connects to the phone), a knock-knock refrigerator (that connects to the phone), a deep freezer and some light switches that display the time, date and the weather (they connect to your phone and act as an intercom between each other), Starlink and a cellphone booster are installed into the home. The home will come with security cameras that connect to your phone and motion sensor lights. There are multiple solar power fans installed throughout the upper walls to blow any sort of hot or humid air out and a A/C unit installed in the primary bedroom. The property is 9000sqft which makes managing the property a lot easier than most. The property is fully fenced with a gate and solar-powered lights on the posts. Along the front of the property there is a Japanese Mandarin tree, Pink Lemon tree, Starfruit tree, Banana tree, Lilikoi bush, Bamboo and a groomed tree to protect the Land. In the back of the property is a 10×10 work shop with windows and a lockable door, and a large Husky tool box with power connected. There is a 1200 gallon septic tank with a Leech field. Including a chicken coupe and a fenced in area for roaming. On the side of the property there is a small garden area with Various herb-type plants such as spearmint, peppermint, lemon balm, sage, aloe vera etc. Down the driveway is a large flattened gravel area that can have various uses. The home is located in a quiet corner of the subdivision with very little traffic. Community center has a park and salt water pool; neighboring lots are vacant.

18. 2025-11-06
    listed $260,000 Active 1872-char remark

    Show marketing remark (1872 chars)

    Come home to this newly built home with four bedrooms and two full bathrooms. The home is completely off grid with eight 400w Solar panels, four 5200W batteries The home has four water filters plus an Ultraviolet (UV) lamp system. Comes with a washer/dryer, 55' Wall mounted TV, Two phone charging couches, up-to-date stove range (that connects to the phone), a knock-knock refrigerator (that connects to the phone), a deep freezer and some light switches that display the time, date and the weather (they connect to your phone and act as an intercom between each other), Starlink and a cellphone booster are installed into the home. The home will come with security cameras that connect to your phone and motion sensor lights. There are multiple solar power fans installed throughout the upper walls to blow any sort of hot or humid air out and a A/C unit installed in the primary bedroom. The property is 9000sqft which makes managing the property a lot easier than most. The property is fully fenced with a gate and solar-powered lights on the posts. Along the front of the property there is a Japanese Mandarin tree, Pink Lemon tree, Starfruit tree, Banana tree, Lilikoi bush, Bamboo and a groomed tree to protect the Land. In the back of the property is a 10×10 work shop with windows and a lockable door, and a large Husky tool box with power connected. There is a 1200 gallon septic tank with a Leech field. Including a chicken coupe and a fenced in area for roaming. On the side of the property there is a small garden area with Various herb-type plants such as spearmint, peppermint, lemon balm, sage, aloe vera etc. Down the driveway is a large flattened gravel area that can have various uses. The home is located in a quiet corner of the subdivision with very little traffic. Community center has a park and salt water pool; neighboring lots are vacant.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🫁 Air quality 1/10 Low

Taxation est. · year 1

• Rental income: $26,284
• − Mortgage interest: −$12,884
• − Property taxes: −$3,450
• − Insurance: −$1,150
• − Repairs & maintenance: −$2,103
• − Management: −$2,103
• − HOA: −$108
• − Depreciation: −$6,691
• Taxable loss: −$2,204
• Est. tax savings @ 24.0%: +$529
• After-tax cash flow: $2,112/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This newly built home is in good condition with modern amenities and a well-maintained exterior. It has the potential for minor improvements to enhance its curb appeal and energy efficiency.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances curb appeal and could attract more buyers
• Both Add a small garden or flower bed near the front door — Improves curb appeal and adds aesthetic value
• Both Install a smart thermostat — Saves energy and can be controlled remotely

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhances curb appeal and could attract more buyers ↑
• Both Add a small garden or flower bed near the front door — Improves curb appeal and adds aesthetic value ↑
• Both Install a smart thermostat — Saves energy and can be controlled remotely ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Hawaii Department Of Education
• NCES district ID: 1500030
• Math proficiency: 32% ▼ -10.00%
• Reading proficiency: 50% ▼ -3.00%
• Median HH income: $69,005
• Composite: 37.07/100
• National rank: #4504
• State rank: #1 of 1 in HI

Livability — Nanawale Estates

• Score: 61/100
• State rank: #78
• US rank: #17834

Category grades

Amenities F Commute F Cost of living C Crime A+ Employment C- Housing B Health & safety C- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Nanawale Estates, HI
• Population (ZIP): 14,225

Population outlook (Hawaii County) Hauer SSP2

• Today (2025): 220,733 people
• By 2030: 232,156 · +5.2%
• By 2040: 252,486 · +14.4%
• By 2050: 272,703 · +23.5%
• By 2075: 332,113 · +50.5%
• By 2100: 398,342 · +80.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.82)
• Race & ethnicity: White 37% Two or more races 30% Hispanic / Latino 15% Pacific Islander 15% Asian 12%
• Hispanic origin (detail): Mexican 4% Puerto Rican 9%
• Common ancestry: Russian 7% Italian 3% Romanian 3%
• Foreign-born: 12% · Canada, Vietnam
• Languages at home: 77% English-only · Other Asian/Pacific 11% Tagalog/Filipino 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Hawaii

• 2024 margin: Strong D (+28.3) · D 63.0% · R 34.7% · Other 2.3%
• 2008→2024 swing: -25.4pp toward R · 2008: 53.7pp · 2024: 28.3pp
• All cycles: 2024: D+28.3 2020: D+36.2 2016: D+36.6 2012: D+51.3 2008: D+53.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.52%
• Current HPI: 173.8168
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

-11.5% since first listed

4 events — show timeline

• 2026-05-13 Price Changed $230,000 HI Information Service
• 2026-04-08 Price Changed $240,000 HI Information Service
• 2025-12-01 Price Changed $250,000 HI Information Service
• 2025-11-06 Listed $260,000 HI Information Service