Selected for the Terner Labs Housing Venture Lab

4882 Genoa Street, Centennial, CO 80015

Active
Listed 127 days ago
Owner-Occupant Eligible
$480,000

About $2,062 a month to live here, after the rent from the other home.

House + ADU1,776 sqft3 beds2 bathsListed Jul 8, 2026

A house with a second home on the lot. Live in one and rent out the other. How it works

Live here for about

$2,062a month

The second home on the lot rents for $1,017. We hold back $183 of that for repairs and an empty month, and the rest goes toward a $2,896 monthly payment.

Income to qualify: about $72,000 a year

With how much down?

At 20% down ($96,000) 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 $63,000 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.

$14,400 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

The standout feature of this home is the basement with its own kitchen and exterior entrance, perfect for generating rental income or multi-generational living. The home also has over $68k in upgrades! Please see the supplements or reach out to the listing agent for the full list, but highlights include a new roof, gutters, and exterior paint in 2023 ($30K) and new main level flooring with upgraded bathroom in 2026 ($25K). Walk in to find a bright living room with vaulted ceilings, a cozy fireplace, and double doors opening to a dedicated office. The living space flows seamlessly into the dining area and kitchen, which features a gas range, plenty of cabinet storage, and a garden window over the sink to keep your herbs happy year-round. Down the hall are well-sized bedrooms and a clever full bathroom design with two entrances giving the primary bedroom the privacy of an en-suite. The basement is where the flexibility shines: new carpet throughout, a spacious second living area, kitchen, bedroom with a large walk-in closet, bathroom, laundry, and private patio. You will have peace of mind from day one with owned solar panels, an upgraded 200 amp electrical panel, a radon mitigation system, and newer sump pump. Outside, the backyard was made for Colorado living with a pergola-shaded deck, terraced lawn, and raised garden beds ready for your green thumb. The garage has room for both cars and projects with a workshop area and plenty of storage. All of this is in a neighborhood with so much to do. Walk to the playground at Fox Hill Park at the end of the block or head to Quincy Reservoir to fish or stroll the loop trail. For errands or dinner, the shops and restaurants on Smoky Hill Road are 4 minutes away, and E-470 is nearby when the mountains are calling. You are also in the highly sought-after Cherry Creek School District within walking distance of Peakview Elementary. View the 3D tour here: https://my.matterport.com/show/?m=QGjPgUF7v3F

House + ADU

Property Type

5,532 sqft

Lot Size

1984

Year Built

Listing Date: 07/08/2026

Listed by: Russell Gellman

Listing office: Guide Real Estate

Contact: 469-471-3589

Source: REcolorado #4314729

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%
$480,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$480,000
Your Down Payment$96,000
Financed$384,000
Estimated Monthly Payment$2,896

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 ($96,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,896/month
Principal + Interest
$2,302
Property Taxes
$290
Home Insurance
$304
Rental Income (1 Unit)
$1,017/month

From the listing description.

Rental Expenses
-$183
Cost to live here
$2,062/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# 4314729 · Listing office: Guide Real Estate

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