Active
2 units4 bd2 ba854 sqft
Cost to live here
$1,011/mo
Income to qualify: about $28,000 a year
At 20% down, 30-year fixed. From 3.5% down.
$174,900•Duplex
539 Chestnut Street, Sterling, CO 80751
MLS# IR1065117 · HomeSmart Realty Partners Lvld131 Park Street, Sterling, CO 80751
Active
Listed 75 days agoOwner-Occupant Eligible
About $720 a month to live here, after the rent from the other homes.
Triplex3,299 sqft7 beds4 bathsListed Aug 29, 2026
A triplex. Live in one home and rent out the other two. How it works
Live here for about
$720a month
The other homes rent for $2,000. We hold back $390 of that for repairs and an empty month, and the rest goes toward a $2,330 monthly payment.
Income to qualify: about $47,000 a year
With how much down?
At 20% down ($68,000) 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 $44,000 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.
$17,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Updated Tri-plex with a detached 2-car garage with alley access. Unit A is a 4-bedroom, 2-story unit with remodeled full bath and 1/2 bath. It features a large living room, Den (can be used as a 5th bedroom or formal dining room), full kitchen with appliances plus a mud room with washer/dryer hook-ups. There is one bedroom on the main level and 3 upstairs. Unit B is a 3-story unit with Living Room/Dining Room combo, 1/2 bath (main floor), updated kitchen with stove and refrigerator and washer/dryer. Middle floor bedroom with full bath, and spiral stairs to 3-story loft for 2nd bedroom. Use of fenced yard. Unit C off Park St is a roomy 1-bedroom unit with living room, nice, updated kitchen, washer/dryer and full bath. Nice deck. Many updates including newer paint inside and out, updated flooring, newer roof and more. Tenant occupied, 24-hour notice to show. Leases to transfer/assign to buyer at closing. Unit A and B have access to to 2nd floor deck.
Triplex
Property Type
7,701 sqft
Lot Size
1905
Year Built
Listing Date: 08/29/2026
Listed by: Michele Owen
Listing office: Sterlings Homes LLC
Contact: 970-580-2949
Source: REcolorado #IR1067584
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%
$340,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$340,000
Your Down Payment$68,000
Financed$272,000
Estimated Monthly Payment$2,330
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 ($68,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Current Rent
Current Rent
Market Rent
Estimated Monthly Payment (Before Rental Income)
$2,330/month
Principal + Interest
$1,631Property Taxes
$110Home Insurance
$589Estimated Monthly Payment (Before Rental Income)
$2,330/month
Principal + Interest
$1,631Property Taxes
$110Home Insurance
$589$2,330/month
$1,631
$110
$589
Rental Income (2 Units)
$2,000/month
From market rates for this unit's size.
Rental Expenses
-$390Rental Income (2 Units)
$2,000/month
From market rates for this unit's size.
Rental Expenses
-$390$2,000/month
-$390
Cost to live hereCost to live here, after rent
$720/month
Cost to live hereCost to live here, after rent
$720/month
$720/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# IR1067584 · Listing office: Sterlings Homes LLC
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