94-870 Lumiauau St APT B103WaipahuHI96797
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow94-870 Lumiauau St APT B103, Waipahu, HI, 96797 in Waipahu is a solid income-producing rental, 10.09% gross yield, $3,196/mo rent, $338/mo net cash flow on a $380,000 buy. DSCR 1.87 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $104,987 and $3,500/yr in principal reduction project a total cumulative return of $168,018.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.1% |
| Monthly Cash Flow | $338 | $1,850 |
City averages based on Waipahu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,196 |
| Total Monthly Debt Service | $2,707 |
| DSCR Ratio | 1.18x |
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.
Townhouse
Built in 1991
N/A lot
$N/A/sqft
$651 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
Townhouse
Built in 1991
N/A lot
$N/A/sqft
$651 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: Erin B Evans • Century 21 Island Homes
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202513626
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-10-18 03:17:25 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd