3445 Lower Honoapiilani Rd #549LahainaHI96761
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3445 Lower Honoapiilani Rd #549, Lahaina, HI, 96761 in Lahaina fits: $890,000, 5.16% gross yield, and a projected 5% annual appreciation rate adding $245,891 in value within five years. Rental yield 5.16%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.96) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,197/yr in principal paydown and $245,891 in appreciation project a total return of $98,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 5.8% |
| Monthly Cash Flow | $(3,854) | $1,850 |
City averages based on Lahaina market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,827 |
| Total Monthly Debt Service | $7,327 |
| DSCR Ratio | 0.52x |
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.
Condo
Built in 1980
10.10 Acres lot
$N/A/sqft
$1,893 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96761, Lahaina, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,923 (100%) |
| Owner Occupied HU | 3,077 (31.0%) |
| Renter Occupied HU | 2,495 (25.1%) |
| Vacant Housing Units | 4,351 (43.8%) |
| Median Home Value | $1,125,667 |
| Average Home Value | $1,281,033 |
Housing Distribution
Address Breakdown
Residential
6,040
Single Family
3,080
Multi-Family
2,960
Businesses
681
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 1980
10.10 Acres lot
$N/A/sqft
$1,893 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96761, Lahaina, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,923 (100%) |
| Owner Occupied HU | 3,077 (31.0%) |
| Renter Occupied HU | 2,495 (25.1%) |
| Vacant Housing Units | 4,351 (43.8%) |
| Median Home Value | $1,125,667 |
| Average Home Value | $1,281,033 |
Housing Distribution
Address Breakdown
Residential
6,040
Single Family
3,080
Multi-Family
2,960
Businesses
681
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth R Quayle RB-17818 • Coldwell Banker Island Prop-KP
Mls Name: RAM
Mls Provider:
Mls ID: #402523
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