Selected for the Terner Labs Housing Venture Lab

765 Gardenia Street, Golden, CO 80401

Active
Listed 94 days ago
Owner-Occupant Eligible
$829,000

About $2,591 a month to live here, after the rent from the other home.

Duplex3,510 sqft7 beds4 bathsListed Aug 10, 2026

A duplex. Live in one home and rent out the other. How it works

Live here for about

$2,591a month

The other home rents for $2,634. We hold back $474 of that for repairs and an empty month, and the rest goes toward a $4,751 monthly payment.

Income to qualify: about $109,000 a year

With how much down?

At 20% down ($165,800) and 5.6%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $114,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

The cost to live here is the loan payment, taxes, insurance and any dues, less the rent, with a little held back for repairs and an empty month. Income to qualify uses a 43% debt-to-income limit, counts 75% of the rent, and none of your other debts.

$29,015 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Back On Market With All New Exterior Paint. Large side-by-side duplex in one of the most desirable parts of Golden. Located in the Pleasant View Neighborhood, just behind Colorado Mills and the Denver West Shopping Center, this 3,510-square-foot duplex offers an exceptional opportunity for an owner-occupant or investor with one recently remodeled unit and a second unit offering outstanding upside. Unit #765 is a 3-bedroom, 2-bathroom unit that has been recently remodeled and features a new stove and dishwasher, new kitchen flooring, new bathroom tile, vanity and flooring, fresh interior paint, new carpet throughout, and new luxury vinyl flooring throughout the main living areas. Finished basement with a third bedroom, second bathroom, and family room. Unit #775 has 4-bedrooms and 2-bathrooms with a versatile layout featuring two bedrooms and one bathroom on each level. This unit does need some work, as a wall taken down in between the kitchen and living room, create a more functional floor plan, and lots of flooring has been removed, giving the next owner the opportunity to customize the finishes. With four separate entrances, including two private basement entrances, abundant natural light, and generous living space, this unit presents excellent value-add potential. Both residences include sought-after tenant conveniences such as private yards, washer and dryer hookups, dishwashers, and ample parking. Both units are separately metered for gas and electric. New furnace in Unit #775. A huge bonus is the oversized, detached three-car garage with an attached workshop and additional storage. Enjoy the convenience of living just minutes from Downtown Golden, Colorado School of Mines, parks, trails, shopping, dining, & entertainment. Whether you're looking to live in one unit while generating income from the other or expand your investment portfolio with a property offering immediate upside, this Golden duplex is an opportunity you won't want to miss.

Duplex

Property Type

12,502 sqft

Lot Size

1973

Year Built

Listing Date: 08/10/2026

Listed by: Patrick Rampi

Listing office: MODUS Real Estate

Contact: 720-935-2184

Source: REcolorado #2555306

Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.

CHOOSE YOUR UNIT

Tap the one you would live in. The rest pay rent, and that rent comes off your monthly cost.

If someone lives in the unit you want, or a lease comes with the home, ask how moving in works on this one.

CHECK OUR MATHEvery line of the monthly cost is in here. Change the price or the down payment and watch it move.

OFFER PRICE

Change your offer and watch the monthly cost move.

Purchase Price

-15%
$829,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$829,000
Your Down Payment$165,800
Financed$663,200
Estimated Monthly Payment$4,751

Before rent: principal and interest at 5.6% on a 30-year fixed loan, taxes, insurance and any HOA dues. Your rate and down payment change this.

MONTHLY BREAKDOWN

Estimate at 20% down ($165,800) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,751/month
Principal + Interest
$3,807
Property Taxes
$343
Home Insurance
$601
Rental Income (1 Unit)
$2,634/month

From the listing description.

Rental Expenses
-$474
Cost to live here
$2,591/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

BEFORE YOU OFFER

Now run it on your paycheck.

This page is priced at one down payment and one rate. Send the address and we run it at yours: what you would pay each month after rent, and which loan works on this home.

Free. No credit pull.

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MLS# 2555306 · Listing office: MODUS Real Estate

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