Selected for the Terner Labs Housing Venture Lab

5215 Osceola Street, Denver, CO 80212

Active
Listed 101 days ago
Owner-Occupant Eligible
$795,000

About $2,721 a month to live here, after the rent from the other home.

Duplex2,032 sqft4 beds2 bathsListed Aug 3, 2026

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

Live here for about

$2,721a month

The other home rents for $2,000. We hold back $390 of that for repairs and an empty month, and the rest goes toward a $4,331 monthly payment.

Income to qualify: about $103,000 a year

With how much down?

At 20% down ($159,000) 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 $110,000 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.

$27,825 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Partnering with our preferred lender, we’re offering a 1% LENDER CREDIT to help your buyer with closing costs or a rate buydown. Contact listing agent for details. A true Denver rarity: a fully turnkey 3-unit income property in the heart of Berkeley, and thanks to its unincorporated Adams County address, one of the few in the metro exempt from Denver's restrictive STR rules. No owner-occupancy requirement. No cap on units. Just pure investment flexibility. Live upstairs in the sun-filled 2BR/1BA, tuck family or guests into the basement's private 2BR/1BA suite with its own entrance and full kitchen, and let the detached ADU, freshly outfitted with a 2022 mini-split, work as a private retreat or its own income stream. The ADU adds another bedroom and bathroom to the mix, plus 632 additional square feet not reflected in the listed square footage, making it truly a 5 bed, 3 bath and over 2600 square feet giving this property even more upside than the numbers show. Currently a professionally managed Airbnb portfolio under Atomic Stays, boasting two full years of documented income and guest ratings north of 4.8 stars. Run it as a short-term cash machine, a mid-term rental, a long-term hold, or move in and let the other units pay your mortgage, the choice is yours. Freshly upgraded with a replaced basement sewer line, new basement flooring, and updated finishes throughout, plus a 2-car garage and storage shed for even more value. DSCR financing available using the property's own real numbers. Opportunities like this don't sit on the market long.

Duplex

Property Type

7,980 sqft

Lot Size

1955

Year Built

Listing Date: 08/03/2026

Listed by: Craig Curelop

Listing office: eXp Realty, LLC

Contact: 720-650-2213

Source: REcolorado #3230268

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%
$795,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$795,000
Your Down Payment$159,000
Financed$636,000
Estimated Monthly Payment$4,331

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 ($159,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Current Rent
Estimated Monthly Payment (Before Rental Income)
$4,331/month
Principal + Interest
$3,651
Property Taxes
$301
Home Insurance
$379
Rental Income (1 Unit)
$2,000/month

From the listing description.

Rental Expenses
-$390
Cost to live here
$2,721/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# 3230268 · Listing office: eXp Realty, LLC

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