94-536 Koaleo St #AWaipahuHI96797
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 94-536 Koaleo St #A, Waipahu, HI, 96797 in Waipahu is narrow, $31/mo net on $5,425/mo rent after the $4,182/mo debt service, but the property operates at break-even-plus, not a loss. At $930,000 with a 7% yield, the long-run equity case via 5% appreciation ($256,942 over five years) and $8,565/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.30 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $358,920.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.1% |
| Monthly Cash Flow | $31 | $1,850 |
City averages based on Waipahu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,425 |
| Total Monthly Debt Service | $4,926 |
| 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 2015
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 2015
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