54-228 Honomu StHauulaHI96717
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 54-228 Honomu St, Hauula, HI, 96717 in Hauula: $7,080/mo in rent, $243/mo in net income, 7.33% gross yield, 1.36 DSCR, all at $1,159,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $320,210 in appreciation and $10,674/yr in principal paydown projects total cumulative return of $453,677.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.0% |
| Monthly Cash Flow | $243 | $1,200 |
City averages based on Hauula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,080 |
| Total Monthly Debt Service | $6,375 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96717, Hauula, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,799 (100%) |
| Owner Occupied HU | 825 (45.9%) |
| Renter Occupied HU | 621 (34.5%) |
| Vacant Housing Units | 353 (19.6%) |
| Median Home Value | $1,210,135 |
| Average Home Value | $1,221,545 |
Housing Distribution
Address Breakdown
Residential
1,180
Single Family
914
Multi-Family
266
Businesses
77
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96717, Hauula, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,799 (100%) |
| Owner Occupied HU | 825 (45.9%) |
| Renter Occupied HU | 621 (34.5%) |
| Vacant Housing Units | 353 (19.6%) |
| Median Home Value | $1,210,135 |
| Average Home Value | $1,221,545 |
Housing Distribution
Address Breakdown
Residential
1,180
Single Family
914
Multi-Family
266
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices