Selected for the Terner Labs Housing Venture Lab

1265 Urban Street, Lakewood, CO 80401

Active
Listed 91 days ago
Owner-Occupant Eligible
$545,000

About $2,163 a month to live here, after the rent from the other home.

House + ADU1,028 sqft3 beds2 bathsListed Aug 13, 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

$2,163a month

The second home on the lot rents for $1,164. We hold back $227 of that for repairs and an empty month, and the rest goes toward a $3,100 monthly payment.

Income to qualify: about $76,000 a year

With how much down?

At 20% down ($109,000) 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 $71,000 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.

$16,350 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

If you've been looking for a house hack, investment property or multigenerational setup, 1265 Urban gives you two homes on one fully fenced 0.30-acre lot with no HOA. A 2 bed, 1 bath main house sits in front and a detached 1 bed, 3/4 bath carriage house sits in back, along with a finished studio and a detached 2-car garage. This home also offers up to 1.5% lender credit through Three Point Mortgage toward closing costs or a rate buydown! The carriage house is a fully independent accessory dwelling unit with its own kitchen, quartz counters, an island and a dishwasher. The owner ran it as a successful short-term rental on Airbnb while living in the main house, with many guests in town for Red Rocks shows. It works just as well as a guest house, a mother-in-law suite or a long-term rental. Rental history and income projections are available on request. That setup gives you options. Live in the main house and rent the ADU, live in the ADU and rent the main house, keep extended family or guests close with their own space, or hold both as rentals for dual income. It's a more flexible alternative to a duplex, with no shared walls. The main house has an updated kitchen with granite counters, in-unit laundry, fresh paint inside and out, and a private courtyard of its own. The roof was replaced in 2020. The finished 11 x 21 detached studio works as a home office, gym or workshop, so no bedroom has to double as a workspace. The garage and off-street parking leave room for an RV, boat, trailer and extra vehicles, and the level lot has a country feel with room to spread out. R-2 zoning may allow future expansion. The location keeps you close to downtown Golden, Applewood, Clear Creek Crossing, Red Rocks Amphitheater and Denver, with quick access to I-70. For buyers who want their home to help cover the mortgage, this is the one to see.

House + ADU

Property Type

13,059 sqft

Lot Size

1940

Year Built

Listing Date: 08/13/2026

Listed by: David Williams

Listing office: Serhant Colorado LLC

Contact: 928-279-8695

Source: REcolorado #4104250

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%
$545,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$545,000
Your Down Payment$109,000
Financed$436,000
Estimated Monthly Payment$3,100

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 ($109,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,100/month
Principal + Interest
$2,614
Property Taxes
$294
Home Insurance
$192
Rental Income (1 Unit)
$1,164/month

From the listing description.

Rental Expenses
-$227
Cost to live here
$2,163/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# 4104250 · Listing office: Serhant Colorado LLC

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