94-170 Apele PlMililaniHI96789
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder94-170 Apele Pl, Mililani, HI, 96789 in Mililani earns a respectable 7.15% gross yield at $850,000, but after the $3,822/mo mortgage the net cash flow is $140/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.33) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $234,839 over five years, making equity the dominant return driver. Total projected return: $329,830.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 4.2% |
| Monthly Cash Flow | $140 | $1,850 |
City averages based on Mililani market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,066 |
| Total Monthly Debt Service | $4,588 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 1980
N/A lot
$N/A/sqft
$55 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96789, Mililani, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,832 (100%) |
| Owner Occupied HU | 14,542 (73.3%) |
| Renter Occupied HU | 4,543 (22.9%) |
| Vacant Housing Units | 747 ( 3.8%) |
| Median Home Value | $968,326 |
| Average Home Value | $1,003,067 |
Housing Distribution
Address Breakdown
Residential
18,578
Single Family
15,606
Multi-Family
2,972
Businesses
764
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 1980
N/A lot
$N/A/sqft
$55 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96789, Mililani, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,832 (100%) |
| Owner Occupied HU | 14,542 (73.3%) |
| Renter Occupied HU | 4,543 (22.9%) |
| Vacant Housing Units | 747 ( 3.8%) |
| Median Home Value | $968,326 |
| Average Home Value | $1,003,067 |
Housing Distribution
Address Breakdown
Residential
18,578
Single Family
15,606
Multi-Family
2,972
Businesses
764
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Haole • eXp Realty
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202514222
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-30 21:44:47 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd