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Hilo, HI Flip MOS Underwriting Tape (96720)

FlipScout underwriting tape for Hilo, HI (96720) — 105 actives, 0 Verified / 30 Modeled. Absorption: Market frozen / inventory backpressure; sold_6m=52 (FlipScout DB coverage, not full MLS). Hard Reject % withheld until ≥3 Verified-with-ARV actives — sold liquidity and MOS remain the primary published signals.

Signal Narrative

Hilo, HI (96720) is a FlipScout Goldmine underwriting terminal. Primary signal is sold liquidity: sold_6m=52 (FlipScout DB closings in 6 months — not full MLS), 105 actives on tape. Trusted months of supply = 12.1 mo (Market frozen / inventory backpressure; velocity ≈ 8.7 closings/mo). Honesty mix: 0 Verified / 30 Modeled / 75 Unscored. Hard Reject % and Verified margins are withheld until ≥3 Verified-with-ARV actives — we do not invent ask-tape from Modeled comps. Directional Modeled ask margin median is +7.5% (n=30) — labeled Modeled, not Verified. Same QDA stack as this Hard Reject rate — stress-test asks on the published QDA stack, or read the fix and flip underwriting method.

Underwriting terminal

Neighborhood tape

As of 2026-07-28T06:21:46Z · Daily snapshot · FlipScout DB · MAO solver Pro

Quant Art

Neighborhood math

Sold liquidity + MOS primary · ask-tape pending Verified depth · 2026-07-28T06:21:46Z · daily snapshot

Absorption dial
12.1 MOS mo

MOS = actives ÷ (sold_6m ÷ 6) = 105 ÷ (52 ÷ 6) = 105 ÷ 8.7

Sold window 6 mo · FlipScout DB coverage, not full MLS · zones 4 / 6 / 12

Sold liquidity stripe
sold_6m 52 actives 105

monthly_velocity = sold_6m / 6 = 52 / 6 = 8.7 closings/mo

Real FlipScout DB solds · refreshed with nightly goldmine tape

Ask-tape status

Verified ask sample too thin for Hard Reject % and Verified margin ladder (need ≥3 Verified-with-ARV). Verified actives: 0.

Modeled actives: 30 · Median Modeled ask margin: +7.5% (directional only — not Verified comps).

This Goldmine still underwrites via sold liquidity + MOS. Hard Reject rates publish when Verified-with-ARV depth clears n≥3.

Same QDA stack as this Hard Reject rate · Underwriting method

Absorption / MOS

Market frozen / inventory backpressure

MOS 12.1 mo

sold_6m 52 · actives 105 · High confidence

52 sold in 6 months — solid zip absorption sample.

Total Listings

105

Verified 0 · Modeled 30 · Unscored 75

Median Modeled margin

7.5%

Directional Modeled ask tape · n=30 · not Verified comps

Rehab bands

Verified rehab $/sqft bands need deeper Verified sample.

Verified · condition tier $/sqft

Median Apex

N/A

Insufficient scored Apex sample (0-sentinel excluded)

Trajectory

Stable

Neighborhood enrichment signal

Honesty mix

0.0% Verified

Modeled 28.6% · Unscored 71.4%

List → ARV discount

—

Deep share — · n=—

Hold bleed pressure

—

Banded aggregate · Peak Cash UI Pro

Zero Verified actives — Hard Reject / margin tape withheld (Modeled-only).

Same QDA stack as this Hard Reject rate · Fix & flip underwriting · Deal finder · Absorption regimes

Active inventory

40 shown of 105 actives · streets locked · price / margin / Apex live · median list $562,500 · mix V0/M40/U0

Each row is an underwriting brief at /property/{id} in ZIP 96720. Margins labeled Modeled are directional — not Verified comps.

Browse all in Houses →
PriceMarginApexHonestyListing
$750,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$725,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$575,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$550,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$529,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$475,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$450,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$449,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$425,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$370,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$350,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$340,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$335,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$285,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$260,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$230,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$225,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$210,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$165,0007.5% M53Modeled

Hilo, HI · Modeled listing

Open brief$549,0007.4% M53Modeled

Hilo, HI · Modeled listing

Open brief$778,0007.3% M53Modeled

Hilo, HI · Modeled listing

Open brief$676,0002.2% M49Modeled

Hilo, HI · Modeled listing

Open brief$580,0002.0% M49Modeled

Hilo, HI · Modeled listing

Open brief$590,0001.9% M49Modeled

Hilo, HI · Modeled listing

Open brief$679,0001.8% M49Modeled

Hilo, HI · Modeled listing

Open brief$649,0001.7% M49Modeled

Hilo, HI · Modeled listing

Open brief$700,0001.6% M49Modeled

Hilo, HI · Modeled listing

Open brief$699,0001.2% M48Modeled

Hilo, HI · Modeled listing

Open brief$699,0001.1% M48Modeled

Hilo, HI · Modeled listing

Open brief$738,0000.9% M48Modeled

Hilo, HI · Modeled listing

Open brief$715,000——Modeled

Hilo, HI · Modeled listing

Open brief$479,000——Modeled

Hilo, HI · Modeled listing

Open brief$649,000——Modeled

Hilo, HI · Modeled listing

Open brief$575,000——Modeled

Hilo, HI · Modeled listing

Open brief$275,000——Modeled

Hilo, HI · Modeled listing

Open brief$290,030——Modeled

Hilo, HI · Modeled listing

Open brief$749,000——Modeled

Hilo, HI · Modeled listing

Open brief$799,900——Modeled

Hilo, HI · Modeled listing

Open brief$615,000——Modeled

Hilo, HI · Modeled listing

Open brief$775,000——Modeled

Hilo, HI · Modeled listing

Open brief

Verified Invest Deals

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PriceMarginApexAddress
No Verified Invest deals yet0 Verified Invest Deals Currently Available — actives are Modeled or unscored; honesty gate withholds the invest feed.

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