87-176 Maipalaoa Rd APT 37WaianaeHI96792
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 87-176 Maipalaoa Rd APT 37, Waianae, HI, 96792 in Waianae at $539,900, 5.33% gross yield, is a market-growth asset. Rental yield 5.33%. The $2,400/mo rent partially funds the $2,428/mo debt service; the core return is the 5%/yr price growth projected to add $149,164 over five years. Ziffy Mortgage's DSCR mortgage (0.99) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $115,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.2% |
| Monthly Cash Flow | $(1,426) | $850 |
City averages based on Waianae market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $3,612 |
| DSCR Ratio | 0.66x |
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.
Townhouse
Built in 2012
N/A lot
$N/A/sqft
$752 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96792, Waianae, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 8,133 (54.1%) |
| Renter Occupied HU | 5,024 (33.4%) |
| Vacant Housing Units | 1,873 (12.5%) |
| Median Home Value | $570,439 |
| Average Home Value | $650,228 |
Housing Distribution
Address Breakdown
Residential
12,807
Single Family
11,103
Multi-Family
1,704
Businesses
506
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
Townhouse
Built in 2012
N/A lot
$N/A/sqft
$752 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96792, Waianae, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 8,133 (54.1%) |
| Renter Occupied HU | 5,024 (33.4%) |
| Vacant Housing Units | 1,873 (12.5%) |
| Median Home Value | $570,439 |
| Average Home Value | $650,228 |
Housing Distribution
Address Breakdown
Residential
12,807
Single Family
11,103
Multi-Family
1,704
Businesses
506
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sylvia E Foster • Foster Realty, Inc.
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202516037
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-07-30 10:31:47 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd