Selected for the Terner Labs Housing Venture Lab

12 Lincoln Street, Denver, CO 80209

Active
Listed 134 days ago
Owner-Occupant Eligible
$1,070,000

About $4,194 a month to live here, after the rent from the other home.

Duplex2,776 sqft4 beds5 bathsListed Jul 1, 2026

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

Live here for about

$4,194a month

The other home rents for $2,009. We hold back $392 of that for repairs and an empty month, and the rest goes toward a $5,811 monthly payment.

Income to qualify: about $144,000 a year

With how much down?

At 20% down ($214,000) 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 $147,000 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.

$37,450 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Exceptional opportunity to own a beautifully renovated historic residence offering unmatched flexibility, designer finishes, and strong income potential in one of Denver’s most desirable urban neighborhoods. This thoughtfully updated property features an immaculately maintained main home, a separate one-bedroom apartment with full kitchen, private laundry, radiant floor heating and private entrance, and an expansive studio apartment above the ADU. Ideal for live/work, house hacking (long/short-term rental income), multigenerational living, or guest accommodations. Rich historic character is seamlessly blended with sophisticated modern upgrades including custom-stained original hardwood floors, designer lighting, Phillip Jeffries and Farrow & Ball wall coverings, Ann Sacks marble tile, Waterworks tile selections, and stunning marble and granite finishes. The chef’s kitchen showcases custom cabinetry with extensive integrated storage, polished Casablanca granite, honed Absolute Black countertops, exposed brick accents, and a premium black stainless KitchenAid Pro Line appliance package complete with dual-fuel range, integrated dishwasher, microwave drawer, wall oven, and dualzone wine refrigerator. The luxurious primary bath features marble countertops, designer vanities, and a spa inspired glass shower with custom marble inlay. Additional highlights include low maintenance outdoor spaces with built-in gas fire pit, antique fireplace mantle with custom marble surround, an incredibly rare heated 3 car garage, newer windows, newer furnace, AC and water heater, newer sewer line. A truly one of a kind property combining timeless architecture, modern luxury, exceptional versatility in a fantastic location. 25k buyer incentive is available for a limited time (three weeks) and may be applied toward an interest rate by down, allowable closing costs, or a combination of both, subject to lender approval and loan program guidelines.

Duplex

Property Type

3,102 sqft

Lot Size

1910

Year Built

Listing Date: 07/01/2026

Listed by: Katrina Burton

Listing office: Sierra Vista Realty LLC

Contact: 720-209-9002

Source: REcolorado #8890899

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%
$1,070,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,070,000
Your Down Payment$214,000
Financed$856,000
Estimated Monthly Payment$5,811

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 ($214,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$5,811/month
Principal + Interest
$4,914
Property Taxes
$379
Home Insurance
$518
Rental Income (1 Unit)
$2,009/month

From the listing description.

Rental Expenses
-$392
Cost to live here
$4,194/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# 8890899 · Listing office: Sierra Vista Realty LLC

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