327 Virginia Street, Idaho Springs, CO 80452
About $2,419 a month to live here, after the rent from the other home.
A house with a second home on the lot. Live in one and rent out the other. How it works
Live here for about
The second home on the lot rents for $2,000. We hold back $390 of that for repairs and an empty month, and the rest goes toward a $4,029 monthly payment.
Income to qualify: about $94,000 a year
With how much down?
At 20% down ($135,800) and 6.0%, 30-year fixed. Your rate and down payment change this.
Get rich slow: keep this loan ten years and the payments pay off about $89,000 of it. See the ten-year math
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.
$20,370 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Rare opportunity to own two homes on one lot in the heart of historic Idaho Springs, Colorado. Both homes are vacant and are ideal for a primary residence, mountain getaway, and/or long-term rental opportunity. The home facing Colorado Blvd features 2 bedrooms, 1 bath, a full kitchen, living room, laundry/office space and unfinished basement ideal for additional storage. The house on Virginia Street features 3 bedrooms and 2 bathrooms with a spacious multi-level layout full of character and functionality. The large primary bedroom offers incredible valley views, brand-new carpet, and two closets with built-in organizers. Upstairs, the loft provides additional scenic views and makes an ideal office, reading nook, or creative space. Outside, the oversized lot offers endless potential for a garden, fire pit, outdoor entertaining area, and more. Three historic horse sheds provide ample storage space and can even accommodate a small vehicle. Located just minutes from downtown Idaho Springs, you’ll enjoy the charm and history of this classic mining town along with easy access to local parks, restaurants, hiking trails, and the brand-new Argo cable car featuring scenic tours, dining, hiking, and downhill mountain biking. With convenient access to I-70, Summit County ski resorts and year round mountain adventures are just a short drive away.
House + ADU
Property Type
10,454 sqft
Lot Size
1930
Year Built
Listing Date: 05/24/2026
Listed by: Lauren Bagg
Listing office: West and Main Homes Inc
Contact: 970-409-6206
Source: REcolorado #6082067
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
List Price
FINANCIALS
How much do you want to put down?
Before rent: principal and interest at 6.0% 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 ($135,800) and 6.0%, 30-year fixed. Your rate and down payment change this.
From the listing description.
Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.
LOCATION
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.
MLS# 6082067 · Listing office: West and Main Homes Inc
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