Selected for the Terner Labs Housing Venture Lab

3441 38th Avenue, Denver, CO 80211

Active
Listed 54 days ago
Owner-Occupant Eligible
$650,000

About $1,610 a month to live here, after the rent from the other home.

Duplex2,091 sqft4 beds2 bathsListed Sep 19, 2026

A duplex. Live in one home and rent out the other. How it works

Live here for about

$1,610a month

The other home rents for $2,640. We hold back $515 of that for repairs and an empty month, and the rest goes toward a $3,735 monthly payment.

Income to qualify: about $80,000 a year

With how much down?

At 20% down ($130,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $90,000 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.

$22,750 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Exceptional Investment Opportunity in a Prime Denver Location! Step into the potential of this charming 1910-built duplex, ideally situated just minutes from downtown Denver and near the highly desirable Highlands and Berkeley neighborhoods. Both units offer 2 bedrooms, 1 bathroom, and main-level laundry, providing a functional layout with plenty of opportunity to restore and reimagine these classic spaces. With its south-facing exposure, historic character, and desirable location, this property is ready for someone with vision to bring back the charm of a bygone era. Whether you're looking for a fix-and-flip, renovation project, income-producing duplex, or potential scrape-and-build opportunity, the possibilities are substantial. The location is a standout—close to the restaurants, shops, entertainment, and neighborhood amenities that make Highlands and Berkeley so sought after, while offering an easy commute to downtown Denver. Take a close look at the land value alone and you'll see the potential this property and location offer. This is an opportunity to capitalize on one of Denver's established and evolving areas while creating significant value through renovation or redevelopment. Bring your vision, your contractor, and your imagination—the possibilities are here!

Duplex

Property Type

6,250 sqft

Lot Size

1910

Year Built

Listing Date: 09/19/2026

Listed by: Lisa Lovely

Listing office: Coldwell Banker Realty 56

Contact: 303-235-0400

Source: REcolorado #2601327

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%
$650,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$650,000
Your Down Payment$130,000
Financed$520,000
Estimated Monthly Payment$3,735

Before rent: principal and interest at 5.6% 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 ($130,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,735/month
Principal + Interest
$2,985
Property Taxes
$360
Home Insurance
$390
Rental Income (1 Unit)
$2,640/month

From nearby rental comps.

Rental Expenses
-$515
Cost to live here
$1,610/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# 2601327 · Listing office: Coldwell Banker Realty 56

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