66-166 Waialua Beach Rd #AHaleiwaHI96712
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.52% gross rental yield, 66-166 Waialua Beach Rd #A, Haleiwa, HI, 96712 in Haleiwa is priced for capital growth, not immediate cash flow. The $1,550,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $428,236 by year five, with $14,276/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.66) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $301,776.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 9.0% |
| Monthly Cash Flow | $(4,428) | $1,500 |
City averages based on Haleiwa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,573 |
| Total Monthly Debt Service | $8,358 |
| DSCR Ratio | 0.55x |
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 2015
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96712, Haleiwa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,372 (100%) |
| Owner Occupied HU | 1,515 (44.9%) |
| Renter Occupied HU | 1,279 (37.9%) |
| Vacant Housing Units | 578 (17.1%) |
| Median Home Value | $1,454,861 |
| Average Home Value | $1,516,413 |
Housing Distribution
Address Breakdown
Residential
2,416
Single Family
2,300
Multi-Family
116
Businesses
446
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 2015
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96712, Haleiwa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,372 (100%) |
| Owner Occupied HU | 1,515 (44.9%) |
| Renter Occupied HU | 1,279 (37.9%) |
| Vacant Housing Units | 578 (17.1%) |
| Median Home Value | $1,454,861 |
| Average Home Value | $1,516,413 |
Housing Distribution
Address Breakdown
Residential
2,416
Single Family
2,300
Multi-Family
116
Businesses
446
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Margarita Margo Munden • BHGRE Advantage Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202510151
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-05-07 10:39:12 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd