1970 Hanalima St APT H106LihueHI96766
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1970 Hanalima St APT H106, Lihue, HI, 96766 in Lihue at $480,000 earns $3,695/mo in rent and nets $71/mo after the $2,158/mo payment, a 9.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $132,615 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $4,421/yr in principal paydown, total projected return reaches $242,867.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $71 | $2,500 |
City averages based on Lihue market data in our database. Property projections are estimates.
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 | $3,695 |
| Total Monthly Debt Service | $2,542 |
| DSCR Ratio | 1.45x |
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.
Condo
Built in 1993
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96766, Lihue, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,037 (100%) |
| Owner Occupied HU | 3,422 (56.7%) |
| Renter Occupied HU | 2,114 (35.0%) |
| Vacant Housing Units | 501 ( 8.3%) |
| Median Home Value | $840,429 |
| Average Home Value | $905,465 |
Housing Distribution
Address Breakdown
Residential
5,247
Single Family
4,433
Multi-Family
814
Businesses
1,423
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
Condo
Built in 1993
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96766, Lihue, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,037 (100%) |
| Owner Occupied HU | 3,422 (56.7%) |
| Renter Occupied HU | 2,114 (35.0%) |
| Vacant Housing Units | 501 ( 8.3%) |
| Median Home Value | $840,429 |
| Average Home Value | $905,465 |
Housing Distribution
Address Breakdown
Residential
5,247
Single Family
4,433
Multi-Family
814
Businesses
1,423
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices