41-1642 Humuka LoopWaimanaloHI96795
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 41-1642 Humuka Loop, Waimanalo, HI, 96795 in Waimanalo the bet is firmly on appreciation. Rental yield 5.06%. The 5.06% gross yield on a $798,000 price is below income-first thresholds, but 5%/yr value growth projects $220,473 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.94) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $220,870.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(1,248) | $1,500 |
City averages based on Waimanalo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,362 |
| Total Monthly Debt Service | $4,293 |
| DSCR Ratio | 0.78x |
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 1967
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96795, Waimanalo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,801 (100%) |
| Owner Occupied HU | 1,839 (65.7%) |
| Renter Occupied HU | 818 (29.2%) |
| Vacant Housing Units | 144 ( 5.1%) |
| Median Home Value | $1,210,359 |
| Average Home Value | $1,337,455 |
Housing Distribution
Address Breakdown
Residential
2,397
Single Family
2,397
Multi-Family
0
Businesses
157
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 1967
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96795, Waimanalo, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,801 (100%) |
| Owner Occupied HU | 1,839 (65.7%) |
| Renter Occupied HU | 818 (29.2%) |
| Vacant Housing Units | 144 ( 5.1%) |
| Median Home Value | $1,210,359 |
| Average Home Value | $1,337,455 |
Housing Distribution
Address Breakdown
Residential
2,397
Single Family
2,397
Multi-Family
0
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandon C Lau • Coldwell Banker Island Prop
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202506989
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-03-26 10:42:43 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd