94-498 Kupuohi St #3103WaipahuHI96797
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 94-498 Kupuohi St #3103, Waipahu, HI, 96797 in Waipahu offers a clean, manageable entry. Rental yield 6.1%. DSCR 1.13 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $158,171 in additional property value over five years, with $5,273/yr in principal equity building ownership stake. Total projected cumulative return: $188,462.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.1% |
| Monthly Cash Flow | $(431) | $1,850 |
City averages based on Waipahu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,911 |
| Total Monthly Debt Service | $3,115 |
| DSCR Ratio | 0.93x |
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.
Condo
Built in 1994
N/A lot
$N/A/sqft
$63 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
Condo
Built in 1994
N/A lot
$N/A/sqft
$63 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: Cannie Chum • Locations LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202502165
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-21 16:09:54 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd