68-3907 Paniolo Ave #604WaikoloaHI96738
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.11% yield at 68-3907 Paniolo Ave #604, Waikoloa, HI, 96738 in Waikoloa is solid, but the $2,563/mo payment compresses net cash flow to $131/mo at $570,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $157,480 by year five, and $5,250/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.32) without U.S. income documentation. Total projected return: $223,341.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $131 | $1,500 |
City averages based on Waikoloa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,377 |
| Total Monthly Debt Service | $3,019 |
| DSCR Ratio | 1.12x |
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