262 Thomas StWahiawaHI96786
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 262 Thomas St, Wahiawa, HI, 96786 in Wahiawa at $990,000, 5.43% gross yield, is a market-growth asset. Rental yield 5.43%. The $4,476/mo rent partially funds the $4,452/mo debt service; the core return is the 5%/yr price growth projected to add $273,519 over five years. Ziffy Mortgage's DSCR mortgage (1.01) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $296,926.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 5.5% |
| Monthly Cash Flow | $(1,188) | $1,500 |
City averages based on Wahiawa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,476 |
| Total Monthly Debt Service | $5,270 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96786, Wahiawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,292 (100%) |
| Owner Occupied HU | 3,762 (28.3%) |
| Renter Occupied HU | 8,152 (61.3%) |
| Vacant Housing Units | 1,378 (10.4%) |
| Median Home Value | $886,636 |
| Average Home Value | $940,194 |
Housing Distribution
Address Breakdown
Residential
12,063
Single Family
10,649
Multi-Family
1,414
Businesses
613
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 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96786, Wahiawa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,292 (100%) |
| Owner Occupied HU | 3,762 (28.3%) |
| Renter Occupied HU | 8,152 (61.3%) |
| Vacant Housing Units | 1,378 (10.4%) |
| Median Home Value | $886,636 |
| Average Home Value | $940,194 |
Housing Distribution
Address Breakdown
Residential
12,063
Single Family
10,649
Multi-Family
1,414
Businesses
613
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dean K Matsunami • Oahu Residential Inc.
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202503402
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-24 23:34:48 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd