Active
3 units4 bd2 ba1,740 sqft
Cost to live here
$3,007/mo
Income to qualify: about $84,000 a year
At 20% down, 30-year fixed. From 5% down.
$530,000•Triplex
1837-1841 16th Street, Loveland, CO 80538
MLS# IR1071512 · HomeSmart Realty6131 Drum Place, Loveland, CO 80538
Active
Listed 101 days agoOwner-Occupant Eligible
About $2,806 a month to live here, after the rent from the other home.
House + ADU2,544 sqft5 beds4 bathsListed Aug 3, 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
$2,806a month
The second home on the lot rents for $952. We hold back $143 of that for repairs and an empty month, and the rest goes toward a $3,615 monthly payment.
Income to qualify: about $90,000 a year
With how much down?
At 20% down ($109,980) 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 $72,000 of it. See the ten-year math
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.
$16,497 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
***Contact builder today about Special Financing for this home - terms and conditions apply. Rates as low as 3.99% available on select financing programs for qualified buyers. Terms and conditions apply*** Brand new construction in Kinston at Centerra featuring a versatile Next Gen layout designed for today's evolving lifestyles. This thoughtfully designed two-story home offers 5 bedrooms, 4 baths, and flexible living spaces ideal for multi-generational living, extended guests, or long-term visitors. The open-concept main level features a spacious kitchen with a large center island overlooking the dining nook and great room, creating the perfect setting for entertaining and everyday living. A private Next Gen suite includes its own entrance, living area, kitchenette, bedroom, and bath, while a dedicated study near the foyer provides the ideal home office or flex space. Upstairs, the spacious primary suite features a large walk-in closet and private bath, complemented by three additional bedrooms, two full baths, and convenient upstairs laundry. The thoughtfully designed upper level offers plenty of room for family, guests, work, and play. The attached 2-car garage and crawl space basement provide practical storage and everyday functionality. Located in Loveland's sought-after Kinston at Centerra community, residents enjoy parks, trails, open spaces, and future community amenities, all just minutes from Centerra shopping, dining, entertainment, and major commuter routes. Front yard landscaping is included for beautiful curb appeal from day one. This energy rated home is built with advanced efficiency features designed to enhance year-round comfort, improve indoor performance, and help reduce monthly utility costs. For open houses, please visit the Welcome Home Center at 2950 Tumbling Creek Drive. Visit the model sales office for more information.
House + ADU
Property Type
5,005 sqft
Lot Size
2026
Year Built
Listing Date: 08/03/2026
Listed by: Rob Kittle
Listing office: Kittle Real Estate
Contact: 970-460-4444
Source: REcolorado #9487305
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%
$549,900
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$549,900
Your Down Payment$109,980
Financed$439,920
Estimated Monthly Payment$3,615
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 ($109,980) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$3,615/month
Principal + Interest
$2,638Property Taxes
$608Home Insurance
$295HOA$74
Rental Income (1 Unit)
$952/month
From the listing description.
Rental Expenses
-$143Cost to live hereCost to live here, after rent
$2,806/month
Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.
LOCATION
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.
MLS# 9487305 · Listing office: Kittle Real Estate
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