32-688 Old Mamalahoa HwyNinoleHI96773
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 32-688 Old Mamalahoa Hwy, Ninole, HI, 96773 in Ninole at $1,300,000, 1.99% gross yield, is a market-growth asset. Rental yield 1.99%. The $2,160/mo rent partially funds the $5,846/mo debt service; the core return is the 5%/yr price growth projected to add $359,166 over five years. Ziffy Mortgage's DSCR mortgage (0.37) 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: $152,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 5.2% |
| Monthly Cash Flow | $(5,243) | $200 |
City averages based on Ninole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $6,886 |
| DSCR Ratio | 0.31x |
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 2008
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96773, Ninole, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 57 (100%) |
| Owner Occupied HU | 30 (52.6%) |
| Renter Occupied HU | 3 ( 5.3%) |
| Vacant Housing Units | 24 (42.1%) |
| Median Home Value | $857,143 |
| Average Home Value | $980,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
5
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 2008
2.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96773, Ninole, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 57 (100%) |
| Owner Occupied HU | 30 (52.6%) |
| Renter Occupied HU | 3 ( 5.3%) |
| Vacant Housing Units | 24 (42.1%) |
| Median Home Value | $857,143 |
| Average Home Value | $980,000 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices