Feb 20, 2026 · REFax Report · Monadnock Cyber Intelligence · NH Property Intelligence
Every tracked property in New Hampshire. Four independent valuation methods. Weekly. This is what $4.8 billion in real estate looks like when you actually run the numbers — not guess at them. AI-generated. 92 data sources. 76% average confidence. 7.6% average error margin, validated against closed sales.
Intelligence Advantage
The real estate agents who win in New Hampshire
aren't guessing anymore.
They're running Monadnock Cyber.
While your competition is pulling a Zillow number and hoping for the best, Monadnock Cyber agents walk into every listing appointment with six months of property intelligence, four valuation methods, and 92 data sources behind them. That's not a competitive edge. That's a different game entirely.
// What This Is
The REFax Report is a weekly intelligence product. Not a market commentary. Not a hot-take from an agent who just listed their neighbor's house. An actual intelligence product — built on 92 data sources, validated against closed sales, running four independent AVM methods against every tracked property in New Hampshire.
Every week, the platform scores 6,339 properties. It assigns a valuation from each method, weights them by confidence, and flags anything that deviates meaningfully from estimated market value. You get the output. You decide what to do with it.
AI-generated. 92 data sources. 76% average confidence. 7.6% average error margin — validated against closed sales. That's not a disclaimer. That's a performance record.
This is not Zillow. Zillow publishes one estimate and prays you don't question it. The REFax runs four methods simultaneously, weights the outputs, and tells you the confidence interval. If two methods agree and two don't, you know that. If all four agree, you really know that.
// Where the Deals Are — Underpriced Markets
This week: 18 properties are listed below their AI-estimated market value. Combined gap: over $1.1 million. Sellers who don't know their own value. Estates. Motivated situations. Properties that didn't get the memo.
| Town | Props | Avg Gap | Confidence | Signal |
|---|---|---|---|---|
| Amherst | 8 | −$64,113 | 75% | Strong buy signal |
| Wilton | 8 | −$55,564 | 62% | Moderate — verify comps |
| Concord | 1 | −$67,120 | 67% | Investigate — single property |
| Hampton | 1 | −$96,530 | 64% | Coastal — seasonal factors apply |
Amherst leads the state with 8 underpriced listings averaging $64,113 below estimated value — at 75% AI confidence. That's not a rounding error. That's a pattern. Something is happening in Amherst that the market hasn't priced correctly yet. The REFax found it. Now you know.
"18 properties. $1.1 million in combined pricing gaps. The market missed them. We didn't."
// Where Sellers Are Dreaming — Overpriced Markets
79 properties are currently listed above their AI-estimated market value. Some are marginally off. Some are egregiously wrong. The data doesn't care about feelings.
| Town | Props | Avg Premium | Confidence | Assessment |
|---|---|---|---|---|
| Salem | 2 | +$1,220,955 | 89% | Dramatically overpriced |
| Amherst | 32 | +$418,847 | 75% | Systemic overpricing |
| Portsmouth | 2 | +$285,348 | 94% | High-confidence overpricing |
| Nashua | 2 | +$174,288 | 75% | Overpriced at scale |
| Manchester | 4 | +$141,631 | 95% | Very high confidence |
Two listings. Average premium: $1,220,955 above estimated market value. Confidence: 89%. Those sellers need a reality check. The REFax has the receipts. If you're buying in Salem right now without running the numbers, you're trusting vibes over data.
Amherst appears on both the underpriced and overpriced lists this week — 8 underpriced listings averaging −$64K and 32 overpriced listings averaging +$419K. This isn't a contradiction. It's a bifurcated market. Some sellers priced correctly. Most are reaching. The REFax tells you which is which.
// County Signal Map — 90-Day Intelligence
Property signals are pre-transaction indicators: expired listings, ownership changes, death, divorce, relocation, geographic farm activity, distress patterns. They tell you where activity is building before it shows up on the MLS. 892 active distress signals statewide this week.
| County | Signals (90 days) | Top Signal Types |
|---|---|---|
| Rockingham | 225 | Expired listings, property sales, relocations |
| Hillsborough | 218 | Death, divorce, geographic farm |
| Merrimack | 68 | Active listings, property sales |
| Strafford | 61 | Expired listings, new relocations |
| Carroll | 43 | Vacation property activity |
| Grafton | 43 | Geographic farm, sales |
| Belknap | 40 | Lakes Region residential |
| Cheshire | 21 | Monadnock region |
A distress signal doesn't mean a property is for sale. It means something changed. Death. Divorce. Job change. Expired listing. Corporate relocation. These are pre-market events — the 60–90 day window before a property hits MLS, when motivated sellers are reachable and competition is low. The REFax maps them. What you do with the map is your business.
Rockingham and Hillsborough together account for 443 signals — 60% of the statewide total. That's where the population is. That's where the transactions are. That's where the intelligence matters most.
// What the Numbers Actually Mean
Most real estate data is backward-looking. Closed sales. Median prices. Days on market. You're reading yesterday's newspaper and calling it market intelligence. The REFax is forward-looking — valuations against live listings, signals against future inventory, confidence intervals that tell you how sure to be.
The 7.6% average error margin, validated against closed sales, is a calibration benchmark. When the model says a property is worth $400,000, it's been right within $30,400 on average, historically. That's not perfect. It's disclosed and honest. More importantly, it's better than most human estimates — and humans don't tell you their error rate.
"The market doesn't lie. It just doesn't explain itself. The REFax does."
This week: $4.8 billion in tracked real estate. 18 properties with documented pricing gaps totaling over $1.1 million. 79 properties where sellers are pricing against hope, not data. 892 signals pointing to transactions that haven't listed yet. 92 data sources making sure nothing got missed.
Those 18 underpriced properties won't stay underpriced.
The $96,530 gap in Hampton. The 8 listings in Amherst averaging $64K below market. Every day you don't have this report, someone else does. Some of them are your competition. Some of them are the buyers you're trying to represent.
The REFax drops every week. This week's deals are live right now. Next week's report will have different properties — and some of this week's underpriced listings will already be under contract. The window is the window.
Get the REFax Before Your Competition Does.
Weekly. Every tracked NH property. Every valuation gap. Every distress signal. The agents who have it know something the agents who don't have it don't.
Get On the List →Disclaimer: All valuations are AI-generated estimates produced by the REFax AVM. These estimates are informational only and do not constitute appraisals, investment advice, or offers to buy or sell real estate. Estimates are based on publicly available data and algorithmic modeling. No demographic or protected class data was used. Consult a licensed appraiser or real estate professional before making financial decisions. Monadnock Cyber is not a licensed real estate brokerage.
