Selected for the Terner Labs Housing Venture Lab

815 Arapahoe Street, Golden, CO 80401

Active
Listed 127 days ago
Owner-Occupant Eligible
$1,200,000

About $5,642 a month to live here, after the rent from the other home.

House + ADU2,319 sqft4 beds5 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

$5,642a month

The second home on the lot rents for $1,325. We hold back $258 of that for repairs and an empty month, and the rest goes toward a $6,709 monthly payment.

Income to qualify: about $175,000 a year

With how much down?

At 20% down ($240,000) 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 $157,000 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.

$36,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

A Once-in-a-Generation Downtown Golden Opportunity! Rarely does a property offering this much flexibility become available in the heart of Downtown Golden. Just blocks from Washington Avenue, Clear Creek, Colorado School of Mines, restaurants, breweries, shopping, and miles of hiking and biking trails, 815 and 817 Arapahoe Street are being offered together as one unique property featuring two separate residences plus a detached carriage house with an upper-level ADU. The two main residences each offer their own private living spaces, outdoor areas, and individual character. Completing the property is an impressive detached carriage house featuring an oversized heated four-car garage with radiant ceiling heat, a half bath, and an upper-level ADU with a kitchen, living area, bedroom, bath, and deck with mountain views. With three separate living spaces, this property offers tremendous flexibility for an owner occupant, multigenerational living, rental income, or a unique investment opportunity. Live in one residence while utilizing the others for additional income, accommodate extended family, or explore the property's long-term investment potential. The property is served by two water taps with separate water meters for 815 and 817 Arapahoe, Gas and Electric are separate as well. All improvements are being conveyed together and must be purchased as one property. The finished ADU above the carriage house provides additional functional living space beyond the finished square footage reflected in the MLS. Buyers and buyer's agents should independently verify square footage, measurements, zoning, permitted uses, and suitability for their intended purposes.

House + ADU

Property Type

7,667 sqft

Lot Size

1935

Year Built

Listing Date: 07/08/2026

Listed by: Will Gosch

Listing office: Real Broker, LLC DBA Real

Contact: 720-227-2655

Source: REcolorado #1744350

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%
$1,200,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,200,000
Your Down Payment$240,000
Financed$960,000
Estimated Monthly Payment$6,709

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 ($240,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$6,709/month
Principal + Interest
$5,756
Property Taxes
$520
Home Insurance
$433
Rental Income (1 Unit)
$1,325/month

From the listing description.

Rental Expenses
-$258
Cost to live here
$5,642/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# 1744350 · Listing office: Real Broker, LLC DBA Real

The content relating to real estate for sale in this Web site comes in part from the Internet Data eXchange (“IDX”) program of METROLIST, INC., DBA RECOLORADO® Real estate listings held by brokers other than Uncharted Homes LLC are marked with the IDX Logo. This information is being provided for the consumers’ personal, non-commercial use and may not be used for any other purpose. All information subject to change and should be independently verified.

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