About $2,327 a month to live here, after the rent from the other home.
A duplex. Live in one home and rent out the other. How it works
Live here for about
The other home rents for $1,395. We hold back $272 of that for repairs and an empty month, and the rest goes toward a $3,450 monthly payment.
Income to qualify: about $84,000 a year
With how much down?
At 20% down ($124,950) 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 $86,000 of it. See the ten-year math
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.
$21,866 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
Duplex...BOTH SIDES. NO HOA. SELLER WILL CARRY. RENT PART or ALL to reduce your payments. Zestimate was $821k last month. Aggressive listing price pulled it down. At 603–605 Iowa Street, two apartments and three separately accessible garage spaces offer room to live, collect rental income, and plan your next chapter—all within walking distance of downtown Golden. The upstairs apartment has two bedrooms and one bath, while the lower apartment offers a separate one-bedroom living space. The garages include an extended one-car bay and two independently accessible halves of a two-car garage, each with its own door and electric opener. See HackableHomes.com for details. Seller wants more passive investment. Previous rents totaled up to gross rental potential of $4,500 per month when all five spaces are rented. Flexible seller financing may offer another path to ownership, with down-payment options subject to seller-approved credit and final terms. A practical home base for a Colorado School of Mines student For a Mines family, this property offers a place to live and an opportunity to learn the responsibilities of ownership. A student could occupy the upstairs apartment, share it with a roommate, and help manage the lower apartment and garage rentals. It is a chance to gain experience with budgeting, maintenance, and tenant relationships while establishing a home in Golden. An opportunity to explore what comes next. For buyers considering redevelopment, the property offers an existing duplex configuration and established water and sewer service in a neighborhood seeing new construction. Explore the potential for a replacement single-family home or duplex, with downtown Golden close at hand. Enjoy the property as it stands, use rental income to support ownership, or investigate a longer-term building plan. Please don't disturb downstairs unit 605 tenant! Buyer to verify all information. Disclosure: The owner is related to the listing broker.
Duplex
Property Type
7,000 sqft
Lot Size
1937
Year Built
Listing Date: 10/17/2026
Listed by: John Hermanussen
Listing office: Colorado Real Estate Investment Company
Contact: 720-780-8672
Source: REcolorado #9282579
Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.
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.
Change your offer and watch the monthly cost move.
Purchase Price
List Price
How much do you want to put down?
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.
Estimate at 20% down ($124,950) and 5.6%, 30-year fixed. Your rate and down payment change this.
From market rates for this unit's size.
From market rates for this unit's size.
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
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.
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MLS# 9282579 · Listing office: Colorado Real Estate Investment Company
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.
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