98-351 Koauka Loop APT C307AieaHI96701
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 98-351 Koauka Loop APT C307, Aiea, HI, 96701 in Aiea is narrow, $139/mo net on $3,114/mo rent after the $2,334/mo debt service, but the property operates at break-even-plus, not a loss. At $519,000 with a 7.2% yield, the long-run equity case via 5% appreciation ($143,390 over five years) and $4,780/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $143,054.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 4.1% |
| Monthly Cash Flow | $139 | $2,850 |
City averages based on Aiea market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,114 |
| Total Monthly Debt Service | $3,796 |
| DSCR Ratio | 0.82x |
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96701, Aiea, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,533 (100%) |
| Owner Occupied HU | 9,875 (63.6%) |
| Renter Occupied HU | 4,863 (31.3%) |
| Vacant Housing Units | 795 ( 5.1%) |
| Median Home Value | $1,046,533 |
| Average Home Value | $1,041,580 |
Housing Distribution
Address Breakdown
Residential
13,494
Single Family
9,455
Multi-Family
4,039
Businesses
1,538
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96701, Aiea, HI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,533 (100%) |
| Owner Occupied HU | 9,875 (63.6%) |
| Renter Occupied HU | 4,863 (31.3%) |
| Vacant Housing Units | 795 ( 5.1%) |
| Median Home Value | $1,046,533 |
| Average Home Value | $1,041,580 |
Housing Distribution
Address Breakdown
Residential
13,494
Single Family
9,455
Multi-Family
4,039
Businesses
1,538
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lore Woodley • Locations LLC
Mls Name: HiCentral MLS
Mls Provider:
Mls ID: #202418848
Disclaimer: Based on information from the Multiple Listing Service of HiCentral MLS, Ltd. listings last updated on 2025-02-22 23:18:05 PST. Information is deemed reliable but not guaranteed. Copyright 2025 HiCentral MLS, Ltd