Selected for the Terner Labs Housing Venture Lab

2130 Gilpin Street, Denver, CO 80205

Active
Listed 49 days ago
Owner-Occupant Eligible
$925,000

About $3,629 a month to live here, after the rent from the other home.

House + ADU2,098 sqft3 beds4 bathsListed Sep 24, 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

$3,629a month

The second home on the lot rents for $2,000. We hold back $390 of that for repairs and an empty month, and the rest goes toward a $5,239 monthly payment.

Income to qualify: about $128,000 a year

With how much down?

At 20% down ($185,000) 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 $121,000 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.

$27,750 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

**Preferred Lender Credit of up to 1% of loan amount. Call listing agent for more info.** Tucked into the middle of one of City Park West's best blocks, this home is a can't-miss. It is cozy yet spacious, charming but revamped, and nicely laid out, with the square footage distributed perfectly among the floors. There are thoughtful under-the-hood updates that will keep maintenance costs down for years; there are updates that enhance daily comfort and livability (the Sellers made tweaks to perfect the home as they lived in it); there are crowd-pleaser modernizations done with taste. The main floor flows nicely among rooms, with high ceilings, exposed brick, and new light fixtures throughout. The upper level features the luxurious primary suite with vaulted ceilings, custom closet, and extra large en-suite five-piece bath. The upper floor also features a bedroom/nursery/office and additional full bathroom, along with newer washer/dryer (Sept. 2022). The basement leaves room to get creative. It has been used successfully as guest quarters on the west side and workout space + office on the east side. However, it could easily be turned into an income-producing attached ADU, as it has a separate entrance with lock-off door to upstairs. Just add a kitchenette. There is a two car garage with EV hookups and storage racks, plus a low-maintenance backyard with irrigated garden beds that is perfect for hosting. If you're looking for great walkability, but still want to live on a quiet block, you found it here. Within a quarter of a mile, there is an Ace Hardware, local favorite Green Bus Cafe/Starfish Bakery, Sesame Sandwiches, Little Saints Daycare, and the St. Joe's/St. Luke's/Kaiser hospital complex. Within a half mile, there are too many locations to name. The location is prime, and the home is lovely. Don't miss out!

House + ADU

Property Type

3,120 sqft

Lot Size

1899

Year Built

Listing Date: 09/24/2026

Listed by: Francis Lanzano

Listing office: The Agency - Denver

Contact: 720-891-8283

Source: REcolorado #9454023

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%
$925,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$925,000
Your Down Payment$185,000
Financed$740,000
Estimated Monthly Payment$5,239

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 ($185,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$5,239/month
Principal + Interest
$4,437
Property Taxes
$410
Home Insurance
$392
Rental Income (1 Unit)
$2,000/month

From the listing description.

Rental Expenses
-$390
Cost to live here
$3,629/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# 9454023 · Listing office: The Agency - Denver

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