Selected for the Terner Labs Housing Venture Lab

5534 Xanadu Street, Denver, CO 80239

Active
Listed 90 days ago
Owner-Occupant Eligible
$399,900

About $1,113 a month to live here, after the rent from the other home.

House + ADU987 sqft3 beds1 bathsListed Aug 14, 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

$1,113a month

The second home on the lot rents for $1,408. We hold back $253 of that for repairs and an empty month, and the rest goes toward a $2,268 monthly payment.

Income to qualify: about $51,000 a year

With how much down?

At 20% down ($79,980) 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 $52,000 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.

$11,997 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Welcome to this well-maintained 1970-built ranch on a spacious 7,790-square-foot lot in Denver's Montbello neighborhood. This 3-bedroom, 1-bathroom home offers 987 finished square feet on the main level plus a matching 987-square-foot unfinished basement, for 1,974 total square feet of potential. New Class 4 Roof installed in 2024! Furnace, AC, hot water heater, landscaping and the fence are newer! The main floor features a bright living room with large picture windows, a functional kitchen with white cabinetry, stainless steel appliances, and tile flooring that flows into an adjoining dining area with room for a full table. All three bedrooms are conveniently located on the main level, along with a full bathroom. The oversized unfinished basement is a blank canvas — with laundry hookups and utilities already in place, it's ready to be finished to a buyer's specifications, whether that means additional bedrooms and a family room, a home gym, or, subject to buyer's independent verification of applicable Denver zoning, permitting, and building code requirements, a mother-in-law suite or short-term rental unit. Outside, the extra-wide concrete driveway runs from the front yard through a large gate into the fenced backyard, offering parking for up to 8 vehicles or RV/boat storage. The generous backyard includes a covered patio, a storage shed, and plenty of open lawn space. Additional features include a brick chimney, mature landscaping with rock beds, and a covered front entry. Conveniently located near shopping, dining, and major roadways for easy access around the Denver metro area. Don't miss the opportunity to add value and make this home your own — schedule a showing today.

House + ADU

Property Type

7,790 sqft

Lot Size

1970

Year Built

Listing Date: 08/14/2026

Listed by: Katherine Eide-Carveth

Listing office: Perch Real Estate

Contact: 970-275-3304

Source: REcolorado #6515159

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%
$399,900

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$399,900
Your Down Payment$79,980
Financed$319,920
Estimated Monthly Payment$2,268

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 ($79,980) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,268/month
Principal + Interest
$1,918
Property Taxes
$181
Home Insurance
$169
Rental Income (1 Unit)
$1,408/month

From the listing description.

Rental Expenses
-$253
Cost to live here
$1,113/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# 6515159 · Listing office: Perch Real Estate

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