10717 Colliers Chapel Church Rd · Linden, NC 28356

$135,000

3 bd · 1.0 ba · 1,350 sqft · SingleFamily · 93 Days on market

Built 1951 Fair condition Est $178k · 24% under ↓ 7% since listing

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Why this score? — see what drove the A grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +9.0/10.0
• Livability +3.2/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks

GET YOUR OF SLICE OF HEAVEN! PRICED TO SELL. Welcome to country living! House is located right next to the town of Linden across from the community park. Spacious lot for all of your desires. Two very large sheds for any uses. Endless possibilities with this home! Has character and great bones to make the home yours! Needs some TLC, but it is priced appropriately! Do not miss out on one of the best opportunities in Linden! Call for a showing today!

Key facts

• Country living
• Community park
• Spacious lot

Tags

• COUNTRY LIVING
• COMMUNITY PARK
• SPACIOUS LOT
• LARGE SHEDS

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water; Holding tank or septic sewer
• Home design: Single family residence; One-story
• Construction: Aluminum siding; Frame construction
• Exterior features: Front porch; Porch; Cleared lot

Interior

• Kitchen: Range
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump heating; Central air conditioning; Ceiling fans
• Interior features: Ceiling fans
• Laundry & utility: Washer hookup in unit on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $135k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $558 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Recommended offer: $123k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#344 in NC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D-, amenities F, commute F.
• Cumberland County Schools (urban): math 32% / reading 41% proficiency, ranked #126 of 178 in NC (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Long Hill Elementary (math 52% / reading 53%, grade C-, #349 of 1,410 statewide, top 25%, 442 students, 99% FRL); Pine Forest Middle (math 38% / reading 49%, grade D, #182 of 475 statewide, top 40%, 738 students, 56% FRL); Pine Forest High (math 73% / reading 51%, grade B-, #184 of 535 statewide, top 37%, 1,572 students, 62% FRL) — zoned schools average 73% FRL vs 55% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 53% at this address vs 36% district-wide (+16 pts) — the actual schools serving this property are materially stronger than the Cumberland County Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 59 active listings in the ZIP; 1,125 units permitted in Cumberland County in 2024 (104 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($933 loan paydown + $14k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($123k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 69% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $122,850 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.40% ✓
• Cap rate: 11.26%
• Cash-on-cash: 17.73%
• DSCR: 1.79
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $178,200
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4789 Main St	0.24mi	3/1.5	1,395 (+3%)	15mo	$183,500	$132	69

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 37.4%
• Equity multiple: 3.89×
• Total profit: $109,115
• Equity at exit: $121,619

10-year hold

• IRR: 32.3%
• Equity multiple: 8.76×
• Total profit: $293,416
• Equity at exit: $262,275

Cash invested: $37,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 85 Strongly Landlord-Friendly
• State North Carolina: 85 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

10-day notice; preempted; landlord-favorable but court speed varies.

Methodology + full state rankings →

ZIP-level market 28356

• Home prices YoY: 16.1%
• Active inventory: 59
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,888 medium
• Mortgage (P&I): −$708
• Tax est. 1.5%: −$169 /mo · $2,025/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$396
• Net cashflow: $558

Break-even live

Break-even rent $1,181

Max offer price $135,000

Occupancy floor 65%

Sensitivity live

Price	-10% $652	-5% $605	+0% $558	+5% $512	+10% $465
Rent	-10% $409	-5% $484	+0% $558	+5% $633	+10% $707
Rate	-1.0pp $626	-0.5pp $593	base $558	+0.5pp $523	+1.0pp $488

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-21
   days on market $135,000 Active 93 DOM
2. 2026-06-18
   days on market $135,000 Active 90 DOM
3. 2026-06-17
   days on market $135,000 Active 89 DOM
4. 2026-06-16
   days on market $135,000 Active 88 DOM
5. 2026-06-15
   days on market $135,000 Active 87 DOM
6. 2026-06-14
   days on market $135,000 Active 85 DOM
7. 2026-06-13
   days on market $135,000 Active 84 DOM
8. 2026-06-10
   days on market $135,000 Active 82 DOM
9. 2026-06-09
   days on market $135,000 Active 81 DOM
10. 2026-06-08
    days on market $135,000 Active 80 DOM
11. 2026-06-07
    days on market $135,000 Active 79 DOM
12. 2026-06-03
    days on market $135,000 Active 75 DOM
13. 2026-06-02
    days on market $135,000 Active 74 DOM
14. 2026-06-01
    days on market $135,000 Active 73 DOM
15. 2026-05-31
    days on market $135,000 Active 72 DOM
16. 2026-05-30
    days on market $135,000 Active 71 DOM
17. 2026-04-29
    price $135,000
18. 2026-04-07
    price $140,000
19. 2026-03-20
    listed $145,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 69% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,653
• − Mortgage interest: −$7,562
• − Property taxes: −$2,025
• − Insurance: −$675
• − Repairs & maintenance: −$1,812
• − Management: −$1,812
• − Depreciation: −$3,927
• Taxable income: $4,839
• Est. tax owed @ 24.0%: −$1,161
• After-tax cash flow: $5,539/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires extensive repairs and maintenance, including roof replacement, exterior siding repair and repainting, interior painting and repairs, and bathroom updates. Landscaping and fencing repair will also improve the home's curb appeal and increase its resale and rental value.

Repairs flagged

• Major roof — The roof appears to be in poor condition and may require replacement.
• Major exterior siding — The exterior siding is peeling and in need of repainting.
• Major interior walls — The interior walls show signs of wear and tear and may require painting or repairs.
• Major bathrooms — The bathrooms appear to be in poor condition and may require plumbing repairs and updates.
• Major landscaping — The landscaping is overgrown and in need of trimming and maintenance.
• Major fencing — The fencing is in poor condition and may need repair or replacement.

Value-add opportunities

• Resale roof replacement — A new roof will significantly improve the home's curb appeal and increase its resale value.
• Resale exterior siding repair and repainting — A fresh coat of paint and repairs to the siding will improve the home's appearance and increase its resale value.
• Resale interior painting and repairs — Painting and repairing the interior walls will improve the home's appearance and increase its resale value.
• Resale bathroom updates — Updating the bathrooms with new fixtures and plumbing will improve the home's functionality and increase its resale value.
• Both landscaping and fencing repair — A well-maintained landscape and repaired fencing will improve the home's curb appeal and increase its resale and rental value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · The roof appears to be in poor condition and may require replacement.	Major	$15,000–50,000
exterior siding · The exterior siding is peeling and in need of repainting.	Major	$15,000–50,000
interior walls · The interior walls show signs of wear and tear and may require painting or repairs.	Major	$15,000–50,000
bathrooms · The bathrooms appear to be in poor condition and may require plumbing repairs and updates.	Major	$15,000–50,000
landscaping · The landscaping is overgrown and in need of trimming and maintenance.	Major	$15,000–50,000
fencing · The fencing is in poor condition and may need repair or replacement.	Major	$15,000–50,000
Total estimated repair cost · 6 items		$90,000–300,000

Value-add ROI direction

• Resale roof replacement — A new roof will significantly improve the home's curb appeal and increase its resale value. ↑
• Resale exterior siding repair and repainting — A fresh coat of paint and repairs to the siding will improve the home's appearance and increase its resale value. ↑
• Resale interior painting and repairs — Painting and repairing the interior walls will improve the home's appearance and increase its resale value. ↑
• Resale bathroom updates — Updating the bathrooms with new fixtures and plumbing will improve the home's functionality and increase its resale value. ↑
• Both landscaping and fencing repair — A well-maintained landscape and repaired fencing will improve the home's curb appeal and increase its resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Cumberland County Schools
• NCES district ID: 3700011
• Math proficiency: 32% ▼ -2.00%
• Reading proficiency: 41% ▼ -1.00%
• Median HH income: $44,168
• Composite: 31.0/100
• National rank: #6096
• State rank: #126 of 178 in NC

Livability — Linden

• Score: 64/100
• State rank: #344
• US rank: #13788

Category grades

Amenities F Commute F Cost of living A+ Crime D- Employment C Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linden, NC
• Population (ZIP): 5,747

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 330,855 people
• By 2030: 333,523 · +0.8%
• By 2040: 335,583 · +1.4%
• By 2050: 335,325 · +1.4%
• By 2075: 342,853 · +3.6%
• By 2100: 340,698 · +3.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 19% Hispanic / Latino 11% Two or more races 7% Native American 1% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Lithuanian 3% Italian 2% Serbian 2%
• Foreign-born: 3% · Canada, Jamaica
• Languages at home: 90% English-only · Spanish 7% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Cumberland

• 2024 margin: D (+13.4) · D 56.1% · R 42.7% · Other 1.2%
• 2008→2024 swing: -4.3pp toward R · 2008: 17.7pp · 2024: 13.4pp
• All cycles: 2024: D+13.4 2020: D+16.6 2016: D+16.0 2012: D+19.7 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 40.02%
• Current HPI: 289.2973
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 26

Industry mix (Fortune 500 HQ in NC)

Industry	F500 HQs	Revenue
▸Financial Services	2	$213B
▸Retail	2	$95B
▸Industrial Conglomerate	1	$38B
▸Metals / Steel	1	$35B
▸Utilities	1	$30B
▸Industrial Machinery	1	$19B

Price history

-6.9% since first listed

3 events — show timeline

• 2026-04-29 Price Changed $135,000 LPRMLS
• 2026-04-07 Price Changed $140,000 LPRMLS
• 2026-03-20 Listed $145,000 LPRMLS