94-1157 Kaloli LoopWaipahuHI96797
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play94-1157 Kaloli Loop, Waipahu, HI, 96797 in Waipahu is priced for appreciation, not yield. Rental yield 4.89%. At $1,250,000 with a 4.89% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $345,352 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.91) 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: $334,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.1% |
| Monthly Cash Flow | $(2,137) | $1,850 |
City averages based on Waipahu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,090 |
| Total Monthly Debt Service | $6,730 |
| DSCR Ratio | 0.76x |
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
N/A lot
$N/A/sqft
$109 monthly 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 1995
N/A lot
$N/A/sqft
$109 monthly 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: Bridget Eileen Townsend • List Sotheby's Int'l Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202514697
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-07-18 11:27:41 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd