68-3582 Awamoa PlWaikoloaHI96738
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play68-3582 Awamoa Pl, Waikoloa, HI, 96738 in Waikoloa is priced for appreciation, not yield. Rental yield 5.06%. At $969,000 with a 5.06% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $267,717 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.94) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $267,986.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(1,519) | $1,500 |
City averages based on Waikoloa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,087 |
| Total Monthly Debt Service | $5,220 |
| DSCR Ratio | 0.78x |
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 1995
0.36 Acres lot
$N/A/sqft
$88 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96738, Waikoloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,561 (100%) |
| Owner Occupied HU | 2,191 (48.0%) |
| Renter Occupied HU | 663 (14.5%) |
| Vacant Housing Units | 1,707 (37.4%) |
| Median Home Value | $775,493 |
| Average Home Value | $945,681 |
Housing Distribution
Address Breakdown
Residential
2,817
Single Family
1,997
Multi-Family
820
Businesses
229
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 1995
0.36 Acres lot
$N/A/sqft
$88 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96738, Waikoloa, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,561 (100%) |
| Owner Occupied HU | 2,191 (48.0%) |
| Renter Occupied HU | 663 (14.5%) |
| Vacant Housing Units | 1,707 (37.4%) |
| Median Home Value | $775,493 |
| Average Home Value | $945,681 |
Housing Distribution
Address Breakdown
Residential
2,817
Single Family
1,997
Multi-Family
820
Businesses
229
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices