95-2044 Waikalani Pl APT C405MililaniHI96789
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 95-2044 Waikalani Pl APT C405, Mililani, HI, 96789 in Mililani achieves 1.50, rent of $3,715/mo covers the $2,473/mo payment 1.5x over at $550,000. Rental yield 8.11%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $151,955 over five years, with $5,066/yr in principal reduction bringing total projected return to $208,110.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.2% |
| Monthly Cash Flow | $(31) | $1,850 |
City averages based on Mililani market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,715 |
| Total Monthly Debt Service | $3,527 |
| DSCR Ratio | 1.05x |
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.
Condo
Built in 1973
5.72 Acres lot
$N/A/sqft
$602 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
Condo
Built in 1973
5.72 Acres lot
$N/A/sqft
$602 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: Van E Ko • Fortune Properties LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202519651
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-09-22 10:11:22 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd