4365 Lower Honoapiilani Rd #916LahainaHI96761
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4365 Lower Honoapiilani Rd #916, Lahaina, HI, 96761 in Lahaina. Rental yield 5.56%. At $525,000 with 5.56% gross yield, current distributions are modest, but the 5% appreciation rate projects $145,048 in new equity by year five, complemented by $4,835/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.03) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $161,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.8% |
| Monthly Cash Flow | $(1,345) | $1,850 |
City averages based on Lahaina market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,431 |
| Total Monthly Debt Service | $2,781 |
| DSCR Ratio | 0.87x |
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 1975
3.46 Acres lot
$N/A/sqft
No 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 1975
3.46 Acres lot
$N/A/sqft
No 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