18-4094 Haumalu StMountain ViewHI96771
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 18-4094 Haumalu St, Mountain View, HI, 96771 in Mountain View: $4,790/mo in rent, $1,032/mo in net income, 8.71% gross yield, 1.61 DSCR, all at $660,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $182,346 in appreciation and $6,079/yr in principal paydown projects total cumulative return of $315,211.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $1,032 | $1,850 |
City averages based on Mountain View market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,790 |
| Total Monthly Debt Service | $3,496 |
| DSCR Ratio | 1.37x |
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.
Single Family
Built in 1996
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96771, Mountain View, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,480 (100%) |
| Owner Occupied HU | 3,979 (72.6%) |
| Renter Occupied HU | 814 (14.9%) |
| Vacant Housing Units | 687 (12.5%) |
| Median Home Value | $305,547 |
| Average Home Value | $509,835 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
26
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 1996
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96771, Mountain View, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,480 (100%) |
| Owner Occupied HU | 3,979 (72.6%) |
| Renter Occupied HU | 814 (14.9%) |
| Vacant Housing Units | 687 (12.5%) |
| Median Home Value | $305,547 |
| Average Home Value | $509,835 |
Housing Distribution
Address Breakdown
Residential
253
Single Family
253
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Hawaii Information Service
Mls ID: #727312