68-3831 Lua Kula St #G203WaikoloaHI96738
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 68-3831 Lua Kula St #G203, Waikoloa, HI, 96738 in Waikoloa is narrow, $140/mo net on $2,321/mo rent after the $1,722/mo debt service, but the property operates at break-even-plus, not a loss. At $383,000 with a 7.27% yield, the long-run equity case via 5% appreciation ($105,816 over five years) and $3,527/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $153,427.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $140 | $1,500 |
City averages based on Waikoloa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,321 |
| Total Monthly Debt Service | $2,029 |
| DSCR Ratio | 1.14x |
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 1989
N/A lot
$N/A/sqft
No 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
Condo
Built in 1989
N/A lot
$N/A/sqft
No 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