Clear numbers. A clear plan.
Whether it's your first home, the sale of the one you have, or a multi-family that pays for itself — I show you what it's worth, what you'll keep and what comes next. In English or Spanish.
The Merrimack River at Haverhill, at dusk.
Three paths. One is yours.
Each opens a complete presentation with the tools for that moment — no sign-up, in your language.
Your first home, or your next one.
The eight-step roadmap, how offers are won, and the protections nobody explains — with every number in your hands before you sign.
- Buying power, step by stepEven multi-family and DSCR loans.
- Monthly payment and cash to closeEvery deposit, with your own amounts.
- Offer strategyThree ways to win, with the trade-offs.
What it's worth. What you'd keep.
Today's number, your true net proceeds, and exactly how I'd bring it to market — no surprises at closing.
- Estimated value and pricing strategyConservative, recommended, optimistic.
- Net proceeds calculatorEvery line, with your numbers.
- The marketing planPhotos, video, launch, negotiation.
Multi-family, flips, wholesale.
Analyze any property from 2 to 200 units, test a flip, or structure a wholesale deal — across 12 markets, exported as a PDF.
- Investment analyzer and valuationRent roll, NOI, cash flow, returns.
- Flip calculatorMax offer, budget, sensitivity.
- Wholesale and DSCRYour max contract; qualify on the rent.
Massachusetts, New Hampshire and the towns I serve — every week.
Typical values, 12-month forecasts, days on market, inventory and mortgage rates — from public sources, refreshed automatically every Monday.
An agent who leads with the numbers.
I'm Eduardo Inoa, a bilingual REALTOR® with The Fermin Group at Century 21 North East, licensed in Massachusetts and New Hampshire since 2021. I have guided clients through more than 35 transactions and over $20 million in sales across the Merrimack Valley and Southern New Hampshire.
I earned an associate degree in Business Transfer, with a concentration in Management, from Northern Essex Community College, and worked in banking before real estate. That's why I lead with clear numbers. As a Massachusetts Notary Public, signings are handled without the extra trip.
“Arm you with accurate data, show you every option, then negotiate like it's my own equity on the line.”
- MA Lic. 9573019
- NH Lic. 078562
- MA Notary Public
- NECC, Business degree
- 2025 Platinum Top Producer, NEAR
- 35+transactions closed, and counting
- $20M+in sales volume
- 20towns across Massachusetts and New Hampshire
- 12markets built into the tools
Two states, twenty towns, one person who knows the difference.
The Merrimack River and its mills, Lawrence
No surprises. Ever.
Four steps, always in the same order — whether you're buying, selling or investing.
- One conversation
Twenty minutes: your goals, your timeline and your numbers. No pressure.
- The numbers, in writing
Buying power or home value, costs and net proceeds — in a presentation that's yours to keep.
- The plan
Search, offer and closing — or prep, marketing and negotiation — with real dates.
- Through the keys
Inspection, appraisal, attorney, signings (I'm a notary) and every call along the way.
Run your numbers before you call anyone.
Start with what your home is worth, or weigh a cash sale against the open market. The calculators need no sign-up.
What's my home worth?
See the typical value in your town, then ask for an estimate of your home with the comparables on your street.
Check my home's value
Compare a cash offer
A fast, as-is cash sale next to a full open-market sale — side by side, so you can see which one leaves you more.
Compare my options- Buying powerStep by step, including multi-family and DSCR.
- Monthly paymentPITI, PMI, HOA and how the loan pays down.
- Cash to closeEvery deposit, across 12 states.
- Net proceedsWhat you really keep when you sell.
- Investment analyzer2 to 200 units, NOI, cash flow and returns.
- Flip calculatorMax offer, budget and sensitivity.
- WholesaleMax contract and your fee.
- Rent vs. buyWhat each path leaves you.
The calculators run in your browser — nothing is stored on our servers. Download a PDF with your name when you're done.
A reputation built one family at a time.
“Eduardo went above and beyond. My process was long and he supported me the whole way — always available, always finding the right move.”
“He never gave up on us. He helped us sell our home and find our dream home.”
“Very responsive, kept us informed from offer to closing. Fully bilingual — a huge advantage for our family.”
“Trabajar con Eduardo fue una perfecta idea. Nos ayudó en todo el proceso y conseguimos la vivienda de nuestro sueño.”Worth knowing, explained plainly.
Short notes on buying, selling and investing in the Merrimack Valley and Southern New Hampshire.
Read every note
Market · October 12, 2026How to read the Market Pulse — and what it means for you
Typical value, forecast, sale-to-list, days on market, months of supply and rates: what each number is telling a buyer, a seller and an investor.
Read
Buyers · October 12, 2026First-time buyer programs in Massachusetts and New Hampshire, explained
MassHousing, the ONE Mortgage, New Hampshire Housing, FHA and 3–5% conventional: the four doors, what assistance really means, and the order to do things in.
Read
Investing · October 11, 2026Your first multi-family in the Merrimack Valley: the five numbers that decide it
House hacking a two- or three-family in Lawrence, Lowell or Haverhill still works — with real rents, the lender's tests, DSCR and three local cautions.
Read
Sellers · October 11, 2026Selling and buying at the same time: four ways to move once
Sell first with a cushion, buy first, go contingent, or bridge — how each works in this market and how we pick the one that fits your equity and income.
Read
Sellers · October 10, 2026What selling your home actually costs in Massachusetts and New Hampshire
Price is what the market says; net is what you keep. The short list of costs between the two, with real numbers.
ReadThe Merrimack Valley and Southern New Hampshire.
Twenty towns in two states, from our office in Lawrence. Open a town for its values and its market. If yours isn't here, ask — I'll connect you with an agent I trust.
Massachusetts
MethuenEssex County
LawrenceEssex County
HaverhillEssex County
AndoverEssex County
North AndoverEssex County
DracutMiddlesex County
TewksburyMiddlesex County
LowellMiddlesex County
TyngsboroughMiddlesex County
ChelmsfordMiddlesex County
WestfordMiddlesex County
New Hampshire
SalemRockingham County
WindhamRockingham County
PelhamHillsborough CountyAnd Nashua, Derry, Londonderry, Hudson, Atkinson and Plaistow — see what homes are worth there:
Answered plainly.
Who is Eduardo Inoa?
What does it cost to work with you as a buyer?
What will selling actually cost?
Do you work with investors?
Can I sell and buy at the same time?
What areas do you serve?
Do you work in Spanish?
Tell me what you're planning. I'll take it from there.
I reply personally, usually the same day. Or book a call, or text me directly.