520 Lunalilo Home Rd Unit 7104HonoluluHI96825
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 520 Lunalilo Home Rd Unit 7104, Honolulu, HI, 96825 in Honolulu at $815,000 earns $5,886/mo in rent and nets $94/mo after the $3,665/mo payment, a 8.67% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $225,169 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $7,506/yr in principal paydown, total projected return reaches $387,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 4.2% |
| Monthly Cash Flow | $94 | $18,500 |
City averages based on Honolulu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,886 |
| Total Monthly Debt Service | $4,317 |
| DSCR Ratio | 1.36x |
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96825, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,492 (100%) |
| Owner Occupied HU | 9,234 (73.9%) |
| Renter Occupied HU | 2,231 (17.9%) |
| Vacant Housing Units | 1,027 ( 8.2%) |
| Median Home Value | $1,274,048 |
| Average Home Value | $1,316,049 |
Housing Distribution
Address Breakdown
Residential
11,762
Single Family
8,730
Multi-Family
3,032
Businesses
641
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96825, Honolulu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,492 (100%) |
| Owner Occupied HU | 9,234 (73.9%) |
| Renter Occupied HU | 2,231 (17.9%) |
| Vacant Housing Units | 1,027 ( 8.2%) |
| Median Home Value | $1,274,048 |
| Average Home Value | $1,316,049 |
Housing Distribution
Address Breakdown
Residential
11,762
Single Family
8,730
Multi-Family
3,032
Businesses
641
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices