444 Potato Hl · Claremont, NH 03743

$89,900

1 bd · None ba · 476 sqft · SingleFamily · 19 Days on market

Built 2004 Fair condition 2.60 ac lot

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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
• 1% rule +9.6/10.0
• ARV discount +7.5/15.0
• Appreciation +5.1/10.0
• Schools +4.4/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks

Rustic and secluded cottage nestled on 2.60 private acres, perfectly situated near snowmobile and ATV trails for year-round outdoor adventure. Escape the hustle and bustle and enjoy a simpler way of life with a cozy wood stove, composting toilet, and solar power system. Surrounded by nature, this peaceful retreat offers the privacy and tranquility you've been looking for while remaining conveniently located just a short drive from Claremont and Newport. The property also includes a tractor, making it easy to maintain the land and tackle outdoor projects. Whether you're seeking a weekend getaway, hunting camp, recreational base, or off-grid retreat, this unique property offers an affordable

Key facts

• Private acres
• Cozy wood stove
• Solar power system

Tags

• PRIVATE ACRES
• SNOWMOBILE AND ATV TRAILS
• COZY WOOD STOVE
• SOLAR POWER SYSTEM

Property features AI

Exterior

• Utilities: Dug well water; No sewer; Generator power; No internet
• Home design: Cottage/Camp style; Brown exterior
• Construction: Wood frame construction; Shingle roof; Built in 2004
• Exterior features: Country setting; Dirt driveway; Road frontage: dirt, public, seasonal, and privately maintained

Interior

• Bedrooms: 2 rooms (bedroom count indicated in rooms total)
• Heating & cooling: Wood stove heating
• Interior features: Two rooms total; Seasonal use

What this means for you Summary

Snapshot

• This is a 1-bed/?-bath single-family listed at $90k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $415 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $89k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 3.2% in Claremont — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#50 in NH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: employment C-, schools D-, amenities F.
• Unity School District (rural): math 35% / reading 60% proficiency, ranked #111 of 171 in NH (top 65%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 59 active listings in the ZIP; 98 units permitted in Sullivan County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $803 of equity ($622 loan paydown + $181 appreciation (0.2% local appreciation)).
• Sullivan County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.2% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($89k) is reasonable based on typical stale-listing flexibility.

Recommended offer $88,551 (1.5% below list)

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.46% ✓
• Cap rate: 11.83%
• Cash-on-cash: 19.79%
• DSCR: 1.88
• GRM: 5.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

0.2% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.1%
• Equity multiple: 1.98×
• Total profit: $24,681
• Equity at exit: $27,014

10-year hold

• IRR: 24.1%
• Equity multiple: 3.72×
• Total profit: $68,381
• Equity at exit: $33,207

Cash invested: $25,172 (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 03743

• Home prices YoY: 0.1%
• Active inventory: 59
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,312 medium
• Mortgage (P&I): −$471
• Tax est. 1.5%: −$112 /mo · $1,348/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $415

Break-even live

Break-even rent $786

Max offer price $89,900

Occupancy floor 63%

Sensitivity live

Price	-10% $477	-5% $446	+0% $415	+5% $384	+10% $353
Rent	-10% $311	-5% $363	+0% $415	+5% $467	+10% $519
Rate	-1.0pp $460	-0.5pp $438	base $415	+0.5pp $392	+1.0pp $368

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-21
   days on market $89,900 Active 19 DOM
2. 2026-06-19
   days on market $89,900 Active 17 DOM
3. 2026-06-18
   days on market $89,900 Active 16 DOM
4. 2026-06-17
   days on market $89,900 Active 15 DOM
5. 2026-06-16
   days on market $89,900 Active 14 DOM
6. 2026-06-15
   days on market $89,900 Active 13 DOM
7. 2026-06-14
   days on market $89,900 Active 11 DOM
8. 2026-06-12
   days on market $89,900 Active 10 DOM
9. 2026-06-09
   days on market $89,900 Active 7 DOM
10. 2026-06-08
    days on market $89,900 Active 6 DOM
11. 2026-06-07
    days on market $89,900 Active 5 DOM
12. 2026-06-05
    days on market $89,900 Active 2 DOM
13. 2026-06-03
    remarks 699-char remark
14. 2026-06-03
    listed $89,900 Active 1 DOM

ⓘ 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 3/10 Moderate
• 🌡 Heat 1/10 Low 7 d/yr ≥91°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,742
• − Mortgage interest: −$5,036
• − Property taxes: −$1,348
• − Insurance: −$450
• − Repairs & maintenance: −$1,259
• − Management: −$1,259
• − Depreciation: −$2,615
• Taxable income: $3,774
• Est. tax owed @ 24.0%: −$906
• After-tax cash flow: $4,075/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 · 6 photos

Fair 45/100 Moderate rehab

The property is in fair condition with a moderate level of needed repairs and maintenance. Landscaping and interior updates could significantly increase its value for resale or rental.

Repairs flagged

• Major wood stove — Appears to be a wood stove, possibly in need of maintenance or repair
• Major composting toilet — No conventional plumbing visible, possibly in need of maintenance or replacement

Value-add opportunities

• Both landscaping and curb appeal — Enhances the property's appeal and could attract more buyers or renters
• Resale modernizing the interior — Updating the interior can significantly increase the property's value for resale
• Rental installing a conventional toilet — A conventional toilet would make the property more appealing to renters

Renovation cost estimate screening

Repair item	Severity	Est. cost
wood stove · Appears to be a wood stove, possibly in need of maintenance or repair	Major	$15,000–50,000
composting toilet · No conventional plumbing visible, possibly in need of maintenance or replacement	Major	$15,000–50,000
Total estimated repair cost · 2 items		$30,000–100,000

Value-add ROI direction

• Both landscaping and curb appeal — Enhances the property's appeal and could attract more buyers or renters ↑
• Resale modernizing the interior — Updating the interior can significantly increase the property's value for resale ↑
• Rental installing a conventional toilet — A conventional toilet would make the property more appealing to renters ↑

ⓘ 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: Unity School District
• NCES district ID: 3306750
• Math proficiency: 35% ▼ -15.00%
• Reading proficiency: 60% ▬ 0.00%
• Median HH income: $59,709
• Composite: 43.71/100
• National rank: #6382
• State rank: #111 of 171 in NH

Livability — Claremont

• Score: 69/100
• State rank: #50
• US rank: #8815

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Sullivan County · 16,826 people
• City population: 13,704
• Metro: Lebanon, NH-VT
• Population (ZIP): 13,704
• Household income: $59,625
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 642.0

Population outlook (Sullivan County) Hauer SSP2

• Today (2025): 41,322 people
• By 2030: 39,910 · -3.4%
• By 2040: 36,447 · -11.8%
• By 2050: 32,917 · -20.3%
• By 2075: 25,997 · -37.1%
• By 2100: 19,479 · -52.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 6% Hispanic / Latino 5% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Lithuanian 18% Slovak 4% Romanian 3%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Sullivan

• 2024 margin: Toss-up / Even · D 49.1% · R 49.8% · Other 1.2%
• 2008→2024 swing: -18.7pp toward R · 2008: 18.0pp · 2024: -0.7pp
• All cycles: 2024: R+0.7 2020: D+3.6 2016: R+2.6 2012: D+13.3 2008: D+18.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.20%
• Current HPI: 337.0004
• Rent YoY: —
• Metro: Lebanon, NH-VT
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-06-02 Listed $89,900 PrimeMLS