Selected for the Terner Labs Housing Venture Lab

1251 Vail Lane, Longmont, CO 80503

Active
Listed 98 days ago
Owner-Occupant Eligible
$575,000

About $2,502 a month to live here, after the rent from the other home.

House + ADU2,086 sqft4 beds3 bathsListed Aug 6, 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

$2,502a month

The second home on the lot rents for $1,065. We hold back $192 of that for repairs and an empty month, and the rest goes toward a $3,375 monthly payment.

Income to qualify: about $85,000 a year

With how much down?

At 20% down ($115,000) 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 $75,000 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.

$17,250 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Prime West of Hover location in popular Montview Park! This well-maintained home offers an updated kitchen featuring stainless steel appliances and Corian countertops, along with 3 bedrooms and 2 beautifully remodeled main-level bathrooms. The spacious Primary Suite includes a gorgeous tiled 3/4 bath for added comfort and convenience. The walk-out lower level provides exceptional flexibility with a separate entrance and access to street parking, making it ideal for extended family, multi-generational living, guests, or a potential co-living arrangement. The lower level includes a mother-in-law suite and a laundry room with kitchenette area. While there is currently no stove, a 220V outlet and laundry hookups are already in place. Additional laundry hookups are conveniently located in the oversized two-car garage.Enjoy no carpet throughout the home, with durable LVP and ceramic tile flooring, plus newer windows. Outside, the large fully fenced yard offers both deck and patio spaces-perfect for summer barbecues, entertaining, gardening, or simply relaxing. The oversized two-car garage provides plenty of storage and workspace, with potential RV parking as well. Situated on a quiet, low-traffic street with easy access to all that Longmont has to offer, and feeding to desirable schools. No HOA and no Metro District! With its desirable location, flexible walk-out lower level, extensive updates, and spacious outdoor living areas, this home offers versatility for a variety of living arrangements.

House + ADU

Property Type

8,486 sqft

Lot Size

1973

Year Built

Listing Date: 08/06/2026

Listed by: Deborah Caulfield

Listing office: Berkshire Hathaway HomeServices Rocky Mountain, Realtors-Boulder

Contact: 303-818-7403

Source: REcolorado #IR1065903

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%
$575,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$575,000
Your Down Payment$115,000
Financed$460,000
Estimated Monthly Payment$3,375

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 ($115,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,375/month
Principal + Interest
$2,758
Property Taxes
$322
Home Insurance
$295
Rental Income (1 Unit)
$1,065/month

From the listing description.

Rental Expenses
-$192
Cost to live here
$2,502/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.

REcolorado logo

MLS# IR1065903 · Listing office: Berkshire Hathaway HomeServices Rocky Mountain, Realtors-Boulder

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.

REcolorado IDX disclaimer and copyright notices