95-563 Wailoa LoopMililaniHI96789
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 95-563 Wailoa Loop, Mililani, HI, 96789 in Mililani is capital appreciation. Rental yield 4.9%. The 4.9% gross yield at $930,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $256,942 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.90) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $244,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 4.2% |
| Monthly Cash Flow | $(1,616) | $1,850 |
City averages based on Mililani market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,752 |
| Total Monthly Debt Service | $5,045 |
| DSCR Ratio | 0.74x |
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.
Single Family
Built in 1970
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 1970
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: Dale C Titcomb • Engel & Volkers Honolulu
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202510623
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-05-08 10:42:41 PDT. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd