520 Lunalilo Home Rd #V1406HonoluluHI96825
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 520 Lunalilo Home Rd #V1406, Honolulu, HI, 96825 in Honolulu worth study. Rental yield 5.15%. The 5.15% gross yield is below cash-flow benchmarks at $1,055,000, but 5% annual appreciation, adding $291,477 over five years, frames this as a capital growth position. Rent of $4,530/mo partially offsets the $4,744/mo payment. Ziffy Mortgage finances appreciation-play properties (0.95 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $251,118.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.2% |
| Monthly Cash Flow | $(2,337) | $18,500 |
City averages based on Honolulu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,530 |
| Total Monthly Debt Service | $6,448 |
| DSCR Ratio | 0.70x |
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.
Townhouse
Built in 2003
N/A lot
$N/A/sqft
$726 monthly 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
Townhouse
Built in 2003
N/A lot
$N/A/sqft
$726 monthly 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
Listed by: Lori Makiya • Coldwell Banker Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202507848
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-19 23:23:38 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd