3 Quartz Way · Litchfield, NH 03052

$370,000

3 bd · 2.0 ba · 1,493 sqft · Manufactured · 33 Days on market

Manufactured home Built 2026 Good condition $248/sqft · at area comps Est $369k · at est.

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Why this score? — see what drove the F 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).

• ARV discount +7.3/15.0
• Cash flow +5.4/30.0
• Schools +4.9/10.0
• Condition / age +4.0/5.0
• Appreciation +2.5/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• 1% rule +1.0/10.0
• DSCR +0.0/10.0
• Manufactured-home adj. -2.4

Listing remarks

Welcome to Litchfield Estates - 3 Models available. This 28x56" "Ridge" home offers an open and bright layout which also lends itself to opposite end bedrooms for guests with seperate bathroom. This layout also features a large spacious kitchen with nice sized sit down counter for entertaining and meals. Each home comes with a seperate beverage area for your coffee or refreshment bar. .. or a convenient space for small appliances off the counters. Primary bedrooms has ceiling fans, high ceilings, a wonderful walk in shower along with a generous walk in closet.

Key facts

• Small pond
• Walk in shower
• Built 2026

Tags

• OPEN AND BRIGHT LAYOUT
• LARGE SPACIOUS KITCHEN
• SEPARATE BEVERAGE AREA
• WALK IN SHOWER
• GENEROUS WALK IN CLOSET
• SMALL POND

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $370k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-808 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $253k (31.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $221k (40.2% below list).
• Recommended offer: $221k (40.2% below list) — sets the bar for 1% rule.
• Cap rate 3.7% vs local median 2.8% in Litchfield — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• Litchfield School District (rural): math 38% / reading 56% proficiency, ranked #34 of 98 in NH (top 35%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 7% free/reduced lunch — higher-income household profile.
• Zoned schools: Griffin Memorial School (math 42% / reading 57%, grade D, #97 of 263 statewide, top 42%, 437 students, 10% FRL); Litchfield Middle School (math 35% / reading 53%, grade D, #38 of 96 statewide, top 40%, 355 students, 9% FRL); Campbell High School (math 42% / reading 67%, grade C-, #27 of 90 statewide, top 29%, 412 students, 8% FRL) — zoned schools at 9% FRL track the district average.
• Market conditions: 79 active listings in the ZIP; 1 comparable units currently listed for rent nearby; high-income renter base; 981 units permitted in Hillsborough County in 2024 (381 in 5+ unit buildings).
• This rent is only 17% of the median local income ($156k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Hillsborough County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($359k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 24% chance of damaging wind over 30y — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,375 (40.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 40% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.60% ✗
• Cap rate: 3.67%
• Cash-on-cash: -9.36%
• DSCR: 0.58
• GRM: 13.9

CMA / ARV

• ARV (median comp): $368,634
• List price: $370,000
• Delta: 0.37%
• Verdict: FAIR
• Comps: 1 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
49 Jamesway Dr	0.65mi	2/2.0 (-1)	1,561 (+5%)	4mo	$647,500	$415	54
37 Damon Ave	1.33mi	3/1.0	1,556 (+4%)	0mo	$510,400	$328	54
32 Alvirne Dr	0.59mi	3/2.0	1,829 (+22%)	1mo	$610,000	$334	46
21 St Laurent Dr	0.54mi	3/1.5	1,757 (+18%)	3mo	$617,000	$351	46
32 Syracuse Rd	1.35mi	3/2.0	1,272 (-15%)	4mo	$525,000	$413	37
71 Talent Rd	1.34mi	3/1.5	1,850 (+24%)	4mo	$618,500	$334	35
16 Shoalcreek Rd	1.25mi	2/2.5 (-1)	1,690 (+13%)	2mo	$368,500	$218	34
20 Alvirne Dr	0.68mi	4/1.5 (+1)	1,729 (+16%)	3mo	$600,000	$347	34
4 Timothy Ln	1.26mi	3/1.0	1,779 (+19%)	3mo	$530,000	$298	34
3 Sugar Hill Ln	1.43mi	2/2.5 (-1)	1,710 (+14%)	2mo	$631,250	$369	32
5 Madeleine Ct	1.38mi	2/2.0 (-1)	1,256 (-16%)	4mo	$504,900	$402	31
27 Bowes Cir	1.43mi	2/2.0 (-1)	1,256 (-16%)	5mo	$490,000	$390	31

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

Projected returns pro-forma

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

5-year hold

• IRR: -33.0%
• Equity multiple: -0.08×
• Total profit: $-111,392
• Equity at exit: $55,168

10-year hold

• IRR: -39.5%
• Equity multiple: -0.57×
• Total profit: $-163,138
• Equity at exit: $31,991

Cash invested: $103,600 (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 →

Active competition Active MLS

• For sale now: 1 active · 1 under contract
• Median asking: $370,000 ($248/sqft)
• Median days on market: 60 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -0.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 03052

• Home prices YoY: -13.9%
• Active inventory: 79
• Price-to-rent: 13.9×

Monthly cashflow live

• Estimated rent: $2,214 medium
• Mortgage (P&I): −$1,940
• Tax est. 1.5%: −$462 /mo · $5,550/yr
• Insurance: −$154
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $-808

Break-even live

Break-even rent $3,237

Max offer price $253,063

Occupancy floor —

Sensitivity live

Price	-10% $-552	-5% $-680	+0% $-808	+5% $-936	+10% $-1,064
Rent	-10% $-983	-5% $-896	+0% $-808	+5% $-721	+10% $-633
Rate	-1.0pp $-622	-0.5pp $-714	base $-808	+0.5pp $-904	+1.0pp $-1,002

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: $92,500
• Closing costs: $11,100
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
255 Derry Rd Litchfield, NH	2.0	1.5	1359	$2,875	$2.12	0d	7	0.97mi

Property features AI

Finance

• Other: Located in Litchfield Estates (mobile home park); park directions available
• HOA & community: Park/association provides landscaping, snow removal, and trash removal

Exterior

• Utilities: Private sewerPublic metered waterCircuit breaker electric serviceCable internet availableCable availableUnderground utilities
• Home design: Manufactured / Mobile homeNew constructionWhite exterior
• Construction: Vinyl sidingShingle (asphalt) roofBuilt in 2026Mobile make: Skyline, model: The RidgeMobile anchored and approved for the park
• Exterior features: Paved drivewayCountry settingLandscaped yardLevel and open lotPond site potentialRecreational and wooded areas nearbyNear golf course, paths, shopping, hospital, and schoolsNeighborhood setting

Interior

• Kitchen: MicrowaveGas range / stoveRefrigerator
• Bathrooms: 1 full bathroom1 three-quarter bathroom
• Heating & cooling: Central ACPropane and natural gas heating
• Interior features: 5 total rooms

Listing history 28 events

1. 2026-07-21
   days on market $370,000 Active 33 DOM
2. 2026-07-18
   days on market $370,000 Active 30 DOM
3. 2026-07-16
   days on market $370,000 Active 28 DOM
4. 2026-07-16
   days on market $370,000 Active 27 DOM
5. 2026-07-14
   days on market $370,000 Active 26 DOM
6. 2026-07-13
   days on market $370,000 Active 25 DOM
7. 2026-07-12
   days on market $370,000 Active 24 DOM
8. 2026-07-11
   days on market $370,000 Active 23 DOM
9. 2026-07-10
   days on market $370,000 Active 22 DOM
10. 2026-07-09
    days on market $370,000 Active 21 DOM
11. 2026-07-08
    days on market $370,000 Active 20 DOM
12. 2026-07-07
    days on market $370,000 Active 19 DOM
13. 2026-07-06
    days on market $370,000 Active 18 DOM
14. 2026-07-05
    days on market $370,000 Active 17 DOM
15. 2026-07-04
    days on market $370,000 Active 16 DOM
16. 2026-07-03
    days on market $370,000 Active 15 DOM
17. 2026-07-02
    days on market $370,000 Active 14 DOM
18. 2026-07-01
    days on market $370,000 Active 13 DOM
19. 2026-06-30
    days on market $370,000 Active 12 DOM
20. 2026-06-29
    days on market $370,000 Active 11 DOM
21. 2026-06-28
    days on market $370,000 Active 10 DOM
22. 2026-06-28
    days on market $370,000 Active 9 DOM
23. 2026-06-27
    days on market $370,000 Active 8 DOM
24. 2026-06-25
    days on market $370,000 Active 6 DOM
25. 2026-06-23
    days on market $370,000 Active 4 DOM
26. 2026-06-21
    days on market $370,000 Active 3 DOM
27. 2026-06-19
    remarks 684-char remark
28. 2026-06-19
    listed $370,000 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 14 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 24% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,565
• − Mortgage interest: −$20,726
• − Property taxes: −$5,550
• − Insurance: −$1,850
• − Repairs & maintenance: −$2,125
• − Management: −$2,125
• − Depreciation: −$10,764
• Taxable loss: −$16,575
• Est. tax savings @ 24.0%: +$3,978
• After-tax cash flow: $-5,720/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 · 12 photos

Good 80/100 None rehab

This home is in excellent condition with modern finishes and a well-maintained appearance. It offers a good return on investment with minimal updates needed.

Value-add opportunities

• Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics. ↑
• Both Updating the light fixtures — Modern light fixtures can improve the home's ambiance and increase its value. ↑
• Both Adding smart home features — Smart home features can increase convenience and appeal to potential buyers/renters. ↑
• Both Upgrading the flooring in the bathrooms — Upgrading the flooring can enhance the bathrooms' appearance and increase their value. ↑
• Both Adding a smart thermostat — A smart thermostat can improve energy efficiency and comfort, making the home more attractive to potential buyers/renters. ↑

F Composite school gradezoned avg 49/100

Zoned Schools

Elementary Griffin Memorial School D NH #97/263 Nat'l #12,785/41,679 Middle Litchfield Middle School D NH #38/96 Nat'l #4,963/14,009 High Campbell High School C- NH #27/90 Nat'l #4,461/17,239

Schools (NCES district)

• District: Litchfield School District
• NCES district ID: 3304350
• Math proficiency: 38% ▼ -16.00%
• Reading proficiency: 56% ▼ -7.00%
• Median HH income: $95,178
• Composite: 44.55/100
• National rank: #2788
• State rank: #34 of 98 in NH

Livability — Litchfield

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

Census & demographics

• County: Hillsborough · 412,771 people
• Metro: Manchester-Nashua, NH
• Population (ZIP): 8,495
• Household income: $155,881
• Rent vs Own: 15.7% rent · 84.3% own

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Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 412,771 people
• By 2030: 410,974 · -0.4%
• By 2040: 399,959 · -3.1%
• By 2050: 381,542 · -7.6%
• By 2075: 339,855 · -17.7%
• By 2100: 289,270 · -29.9%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2%
• Common ancestry: Lithuanian 13% Romanian 6% Slovak 2%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Other Indo-European 4% French/Haitian/Cajun 1% German/W. Germanic 1%

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Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 50.9% · R 48.0% · Other 1.0%
• 2008→2024 swing: -0.9pp no change · 2008: 3.8pp · 2024: 2.9pp
• All cycles: 2024: D+2.9 2020: D+7.7 2016: R+0.2 2012: D+1.7 2008: D+3.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.42%
• Current HPI: 393.6097
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Property features AI

Finance

• Other: Located in Litchfield Estates (mobile home park); park directions available
• HOA & community: Park/association provides landscaping, snow removal, and trash removal

Exterior

• Utilities: Private sewerPublic metered waterCircuit breaker electric serviceCable internet availableCable availableUnderground utilities
• Home design: Manufactured / Mobile homeNew constructionWhite exterior
• Construction: Vinyl sidingShingle (asphalt) roofBuilt in 2026Mobile make: Skyline, model: The RidgeMobile anchored and approved for the park
• Exterior features: Paved drivewayCountry settingLandscaped yardLevel and open lotPond site potentialRecreational and wooded areas nearbyNear golf course, paths, shopping, hospital, and schoolsNeighborhood setting

Interior

• Kitchen: MicrowaveGas range / stoveRefrigerator
• Bathrooms: 1 full bathroom1 three-quarter bathroom
• Heating & cooling: Central ACPropane and natural gas heating
• Interior features: 5 total rooms

Price history

1 event — show timeline

• 2026-06-17 Listed $370,000 PrimeMLS