94-1106 Kaloli LoopWaipahuHI96797
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 94-1106 Kaloli Loop, Waipahu, HI, 96797 in Waipahu the bet is firmly on appreciation. Rental yield 4.74%. The 4.74% gross yield on a $1,099,000 price is below income-first thresholds, but 5%/yr value growth projects $303,633 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.84) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $276,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.1% |
| Monthly Cash Flow | $(1,967) | $1,850 |
City averages based on Waipahu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,165 |
| Total Monthly Debt Service | $5,867 |
| DSCR Ratio | 0.71x |
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 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96797, Waipahu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,097 (100%) |
| Owner Occupied HU | 13,677 (61.9%) |
| Renter Occupied HU | 7,519 (34.0%) |
| Vacant Housing Units | 901 ( 4.1%) |
| Median Home Value | $865,073 |
| Average Home Value | $888,972 |
Housing Distribution
Address Breakdown
Residential
19,551
Single Family
17,071
Multi-Family
2,480
Businesses
1,521
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 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96797, Waipahu, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,097 (100%) |
| Owner Occupied HU | 13,677 (61.9%) |
| Renter Occupied HU | 7,519 (34.0%) |
| Vacant Housing Units | 901 ( 4.1%) |
| Median Home Value | $865,073 |
| Average Home Value | $888,972 |
Housing Distribution
Address Breakdown
Residential
19,551
Single Family
17,071
Multi-Family
2,480
Businesses
1,521
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elle Zhang • eXp Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202510082
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-05-05 10:59:31 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd