128 Oyster Tabby DrLillingtonNC27546
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 128 Oyster Tabby Dr, Lillington, NC, 27546 in Lillington worth modelling. At $325,380 with a 7.96% gross yield, the $2,159/mo rent leaves $101/mo after the $1,463/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.48 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $89,896 by year five; $2,997/yr in principal reduction adds further equity. Total projected return: $130,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $101 | $450 |
City averages based on Lillington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,159 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 1.12x |
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 2026
4,791 sqft lot
$N/A/sqft
$75 monthly 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 2026
4,791 sqft lot
$N/A/sqft
$75 monthly 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: Tamra Farris • SDH Raleigh LLC
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10152181
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.