6 Darwin Dr · Stewartstown, NH 03576

$72,500

2 bd · 1.0 ba · 754 sqft · Manufactured public records · 53 Days on market

Built 1980

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Why this score? — see what drove the B+ 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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.8/10.0
• ARV discount +7.5/15.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Completely renovated down to the studs, this move-in ready two-bedroom home at 6 Darwin Drive in Stewartstown, NH offers low-maintenance living in a peaceful setting. Located in Hillside Acres, this property is perfect for those seeking a simple, functional home with direct access to the outdoors. Inside, you’ll find a thoughtfully updated interior featuring beautiful oak cabinetry, a stylish tile backsplash, and durable finishes throughout. The bathroom has been tastefully upgraded with tiled shower walls, adding a modern touch. The layout is efficient and comfortable, making everyday living easy. Step outside to enjoy a great level lot with a shed for additional storage, all situate

Key facts

• Oak cabinetry
• Renovated
• Updated interior

Tags

• RENOVATED
• LOW-MAINTENANCE LIVING
• DIRECT ACCESS TO THE OUTDOORS
• UPDATED INTERIOR
• OAK CABINETRY
• TILE BACKSPLASH

Property features AI

Finance

• HOA & community: Mobile park approval required/confirmed

Exterior

• Parking: Gravel driveway
• Utilities: Public water; Public sewer; 100 Amp electric service; High-speed internet available
• Home design: Manufactured/Mobile home; Single-story layout; Gray exterior
• Construction: Built in 1980; Wood frame construction with vinyl siding; Asphalt shingle roof
• Exterior features: Level lot; Mountain view; Near trails and snowmobile/ATV trails; Privately maintained road frontage; Located in a mobile home park (LaFlamme's Trailer Park) with park approval

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 2 bedrooms (both on main level)
• Flooring: Tile; Vinyl
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Oil heat; Hot air heating
• Interior features: 5 total rooms; Eat-in kitchen; Living room
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $72k.

Deal economics

• At list price, monthly cash flow is $347 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $72k).
• Recommended offer: $70k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Stewartstown School District (rural): math 30% / reading 40% proficiency, ranked #151 of 171 in NH (top 88%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Stewartstown Community School (math 34% / reading 24%, grade F, #201 of 263 statewide, top 82%, 53 students, 70% FRL) — zoned schools average 70% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 80 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 95 units permitted in Coos County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($501 loan paydown + $7k appreciation (10.0% local appreciation)).
• Coos County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Recommended offer $70,325 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.38% ✓
• Cap rate: 12.03%
• Cash-on-cash: 20.49%
• DSCR: 1.91
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $19,604
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
71 Canaan MH Park	0.69mi	2/2.0	780 (+3%)	8mo	$20,000	$26	52

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: 39.6%
• Equity multiple: 4.03×
• Total profit: $61,540
• Equity at exit: $65,314

10-year hold

• IRR: 34.1%
• Equity multiple: 9.07×
• Total profit: $163,825
• Equity at exit: $140,852

Cash invested: $20,300 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 56 Moderately Landlord-Leaning
• State New Hampshire: 56 Moderately Landlord-Leaning · D+1
• County: — inherits STATE
• City: — inherits STATE

Has just-cause statute; 30-day notice; landlord-leaning vs. neighbors.

Methodology + full state rankings →

ZIP-level market 03576

• Home prices YoY: 25.2%
• Active inventory: 80
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,000 medium
• Mortgage (P&I): −$380
• Tax from tax record: −$33 /mo · $396/yr
• Insurance: −$30
• HOA: −$0
• Vacancy / Maint / Mgmt: −$210
• Net cashflow: $347

Break-even live

Break-even rent $561

Max offer price $72,500

Occupancy floor 60%

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: $18,125
• Closing costs: $2,175
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13 Middle Rd Colebrook, NH	3.0	1.0	950	$1,000	$1.05	44d	1	0.14mi
18 Middle Rd Colebrook, NH	3.0	1.0	840	$1,000	$1.19	44d	1	0.14mi

Listing history 15 events

1. 2026-06-18
   days on market $72,500 Active 53 DOM
2. 2026-06-17
   days on market $72,500 Active 52 DOM
3. 2026-06-16
   days on market $72,500 Active 51 DOM
4. 2026-06-15
   days on market $72,500 Active 50 DOM
5. 2026-06-13
   days on market $72,500 Active 48 DOM
6. 2026-06-12
   days on market $72,500 Active 47 DOM
7. 2026-06-09
   days on market $72,500 Active 44 DOM
8. 2026-06-08
   days on market $72,500 Active 43 DOM
9. 2026-06-07
   days on market $72,500 Active 42 DOM
10. 2026-06-05
    days on market $72,500 Active 40 DOM
11. 2026-06-04
    days on market $72,500 Active 38 DOM
12. 2026-06-02
    days on market $72,500 Active 37 DOM
13. 2026-06-01
    days on market $72,500 Active 36 DOM
14. 2026-05-31
    days on market $72,500 Active 35 DOM
15. 2026-04-24
    listed $74,900 Active

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

Tax reassessment forecast NH · Partial reset (capped growth)

• Current annual tax: $396 · $33/mo
• Projected year-2 tax: $988 · $82/mo
• Expected delta: +$592/yr (+$49/mo · 149.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥87°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $12,000
• − Mortgage interest: −$4,061
• − Property taxes: −$396
• − Insurance: −$362
• − Repairs & maintenance: −$960
• − Management: −$960
• − Depreciation: −$2,109
• Taxable income: $3,151
• Est. tax owed @ 24.0%: −$756
• After-tax cash flow: $3,403/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.

Schools (NCES district)

• District: Stewartstown School District
• NCES district ID: 3306360
• Math proficiency: 30% ▲ 19.00%
• Reading proficiency: 40% ▬ 0.00%
• Median HH income: $38,301
• Composite: 31.84/100
• National rank: #11071
• State rank: #151 of 171 in NH

Livability — Stewartstown

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: West Stewartstown, NH
• Population (ZIP): 2,740

Population outlook (Coos County) Hauer SSP2

• Today (2025): 30,912 people
• By 2030: 29,872 · -3.4%
• By 2040: 27,449 · -11.2%
• By 2050: 25,049 · -19.0%
• By 2075: 19,584 · -36.6%
• By 2100: 13,818 · -55.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Lithuanian 11% Slovak 4% Scotch-Irish 2%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · French/Haitian/Cajun 4% Spanish 1%

Political lean MEDSL · Coos

• 2024 margin: R (+13.8) · D 42.7% · R 56.5%
• 2008→2024 swing: -32.1pp toward R · 2008: 18.3pp · 2024: -13.8pp
• All cycles: 2024: R+13.8 2020: R+5.9 2016: R+9.1 2012: D+17.6 2008: D+18.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 62.27%
• Current HPI: 309.5893
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-04-24 Listed $74,900 PrimeMLS

Property tax history

+2.7%/yr

Latest (2024): $396 · -63.9% YoY. Source: county tax records.