101 Smith Farms DrLillingtonNC27546
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 101 Smith Farms Dr, Lillington, NC, 27546 in Lillington is narrow, $182/mo net on $2,117/mo rent after the $1,394/mo debt service, but the property operates at break-even-plus, not a loss. At $309,900 with a 8.2% yield, the long-run equity case via 5% appreciation ($85,620 over five years) and $2,854/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $129,327.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $182 | $450 |
City averages based on Lillington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,117 |
| Total Monthly Debt Service | $1,811 |
| DSCR Ratio | 1.17x |
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 2025
0.57 Acres lot
$N/A/sqft
$550 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27546, Lillington, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,340 (100%) |
| Owner Occupied HU | 5,690 (60.9%) |
| Renter Occupied HU | 2,571 (27.5%) |
| Vacant Housing Units | 1,079 (11.6%) |
| Median Home Value | $323,477 |
| Average Home Value | $334,710 |
Housing Distribution
Address Breakdown
Residential
8,659
Single Family
8,060
Multi-Family
599
Businesses
536
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 2025
0.57 Acres lot
$N/A/sqft
$550 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27546, Lillington, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,340 (100%) |
| Owner Occupied HU | 5,690 (60.9%) |
| Renter Occupied HU | 2,571 (27.5%) |
| Vacant Housing Units | 1,079 (11.6%) |
| Median Home Value | $323,477 |
| Average Home Value | $334,710 |
Housing Distribution
Address Breakdown
Residential
8,659
Single Family
8,060
Multi-Family
599
Businesses
536
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jare Williams • SDH Raleigh LLC
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10126761
Disclaimer: The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS. Copyright 2026 Doorify MLS of North Carolina. All rights reserved.