Selected for the Terner Labs Housing Venture Lab

446 4th Street, Loveland, CO 80537

Active
Listed 164 days ago
Owner-Occupant Eligible
$1,250,000

About $4,395 a month to live here, after the rent from the other home.

Duplex4,210 sqft7 beds6 bathsListed Jun 1, 2026

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

Live here for about

$4,395a month

The other home rents for $2,905. We hold back $566 of that for repairs and an empty month, and the rest goes toward a $6,734 monthly payment.

Income to qualify: about $162,000 a year

With how much down?

At 20% down ($250,000) 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 $172,000 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.

$43,750 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Exceptional investment opportunity in the heart of Downtown Loveland! This unique property consists of five income-producing rental units on one lot, including a charming updated house and two duplex buildings, one detached garage with 2 separate spaces, yard space with grass. Recent street improvements along E. 4th Street have been completed, enhancing accessibility and curb appeal. The front house, originally built in 1905, has been updated with improvements including kitchen upgrades, appliances, & electrical systems. The house and the duplex fronting 4th Street have previously been utilized as office spaces, offering flexibility for a variety of future uses. Duplex units feature a living area, Kitchen, bed room, full bath, mudroom entries, and dedicated space for tenant washers & dryers. The Washington Street duplex offers wood flooring in one unit and carpet in the other. Water is billed back to tenants. Strategically located within Downtown (DT) Zoning and multiple development incentive districts, including the Enterprise Zone, Downtown Urban Renewal Area (URA), General Improvement District #1, Historic Downtown Loveland (CEF Exempt Area), Historic Loveland BID, and Loveland DDA. Just blocks from the Civic Center, Library, restaurants, shopping, and vibrant downtown events. Positioned in the Downtown Development Authority (DDA) area, buyers may benefit from available redevelopment and improvement programs, including Tax Increment Financing (TIF), Façade Improvement Grants, Small Grant Programs, Fire Suppression Assistance, Restaurant Conversion Programs, and Efficiency Works rebates. An outstanding opportunity for investors seeking cash flow today with long-term value-add and redevelopment potential in one of Northern Colorado's most desirable downtown districts.

Duplex

Property Type

10,500 sqft

Lot Size

1905

Year Built

Listing Date: 06/01/2026

Listed by: Nanci Garnand

Listing office: Real Broker, LLC DBA Real

Contact: 970-227-1327

Source: REcolorado #9241489

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%
$1,250,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,250,000
Your Down Payment$250,000
Financed$1,000,000
Estimated Monthly Payment$6,734

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 ($250,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$6,734/month
Principal + Interest
$5,741
Property Taxes
$343
Home Insurance
$650
Rental Income (1 Unit)
$2,905/month

From the listing description.

Rental Expenses
-$566
Cost to live here
$4,395/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# 9241489 · Listing office: Real Broker, LLC DBA Real

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