3451 Waikomo Rd #D102KoloaHI96756
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3451 Waikomo Rd #D102, Koloa, HI, 96756 in Koloa earns a 8.58% gross yield at $705,000. Rent of $5,040/mo nets $539/mo after the $3,170/mo mortgage. The 1.59 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $194,779 and $6,493/yr in equity accumulation project a total cumulative return of $302,628.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 4.0% |
| Monthly Cash Flow | $539 | $1,500 |
City averages based on Koloa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,040 |
| Total Monthly Debt Service | $4,220 |
| DSCR Ratio | 1.19x |
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 2026
5.38 Acres lot
$N/A/sqft
$486 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96756, Koloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,622 (100%) |
| Owner Occupied HU | 1,484 (41.0%) |
| Renter Occupied HU | 922 (25.5%) |
| Vacant Housing Units | 1,216 (33.6%) |
| Median Home Value | $932,770 |
| Average Home Value | $1,093,051 |
Housing Distribution
Address Breakdown
Residential
2,172
Single Family
1,314
Multi-Family
858
Businesses
240
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 2026
5.38 Acres lot
$N/A/sqft
$486 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96756, Koloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,622 (100%) |
| Owner Occupied HU | 1,484 (41.0%) |
| Renter Occupied HU | 922 (25.5%) |
| Vacant Housing Units | 1,216 (33.6%) |
| Median Home Value | $932,770 |
| Average Home Value | $1,093,051 |
Housing Distribution
Address Breakdown
Residential
2,172
Single Family
1,314
Multi-Family
858
Businesses
240
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lauren M Serpa • IRG Hawaii LLC
Mls Name: Hawaii Information Service
Mls Provider:
Mls ID: #729503
Disclaimer: Copyright 2026 MLS Hawaii, Inc. All rights reserved. IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Listing Information presented by local MLS brokerage: Zillow, Inc., local broker - Joel Backman - (808) 437-8500. [Click here for more information](/mls-disclaimers/#726)