ADU ROI Calculator

Calculate your potential return on investment with Hawaii-specific rental rates and financing options.

Calculator Inputs

Select Island

Property Value: $800,000

ADU Construction Cost: $250,000

Monthly Rent: $2,800

Vacancy Rate: 5%

Annual Maintenance: 10% of rent

Property Tax: 0.5% annually

Monthly Insurance: $150

Loan Amount: $200,000

Interest Rate: 6.5%

Loan Term: 20 years

Annual Net Income

$5,034

After all expenses and mortgage payments

Total ROI (with appreciation)

11.6%

Includes 3% annual property appreciation

Payback Period

49.7 years

Time to recover initial investment

Cash-on-Cash Return

2.0%

Annual return on construction cost

Gross Annual Rent$33,600

Vacancy Loss (5%)-$1,680

Effective Annual Rent$31,920

Maintenance (10%)-$3,192

Property Tax (0.5%)-$4,000

Insurance-$1,800

Mortgage Payment-$17,894

Net Annual Income$5,034

+ Annual Appreciation (3%)$24,000

Total Annual Return$29,034

Monthly Mortgage Payment

$1,491

Total Interest Paid

$157,875

Down Payment Required

$50,000

Loan-to-Value Ratio

80.0%

Based on these projections, you could generate significant income and build wealth. Connect with verified contractors to get started.