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$1,049,000
4 Beds ⋅ 4 Baths ⋅ 5263034 MLS
House Hack on a Full Acre Collect $2,300/mo from a Tenant Already in PlaceTwo fully independent residences on one deed, one loan. Live in the main house. Cottage has a tenant in place — no lease-up period, no vacancy risk to underwrite on day one. • Current cottage rent: $2,300/month + pet rent, month-to-month • Gross annual income from cottage: $27,600+ • Well and septic on both homes — no city water/sewer utility expense, which is a real line-item difference in Colorado • Owned solar system (paid off, transfers to buyer) — reduces main house carrying cost further Why This Pencils Differently Than a Typical SFR Most single-family homes don't generate income while you live in them. This one does. Note that this isn't a fully-rented investment property with a cap rate to calculate — you're occupying the main house, so the $27,600/year from the cottage is best thought of as a direct offset to your mortgage and carrying costs, not a return on the full property value. For a buyer comparing this to a typical SFR purchase, the comparison that matters is: same house, minus roughly $2,300/month in housing cost, because someone else is paying it. Ask your lender how this property's existing lease applies to your specific loan program for qualifying purposes. The Main House 4BR/3BA (two bedrooms non-conforming, in a walk-out basement with its own private entrance — functionally a separate living space within the home), 200-degree mountain and city views, 5-burner gas range kitchen, owned solar, central wood stove, central AC, main-floor laundry. The Cottage 2BR/1BA, central AC, currently tenant-occupied at $2,300/mo + pet rent on a flexible month-to-month lease. Has its own white picket-fenced yard, fully separate from the main house's yard — genuine privacy and separation, not a shared backyard arrangement. MTM lease means a buyer can keep the income running indefinitely or transition the space on their own timeline. Carmody Hillcrest neighborhood, Jeffco schools

2540 S Kipling Street, Lakewood

Courtesy of Denver Property Group . micki@denverprop.com,303-551-4572
$1,049,000
4 Beds ⋅ 3 Baths ⋅ 9483994 MLS
Two Homes, One Loan, One Tenant Already Paying — A Rare Setup for Multigenerational Living or Built-In Rental Income Most buyers in this price range are choosing between a bigger house or a rental property. This listing is 1 deed, 1 loan, and two separate, fully independent homes on a full acre in Lakewood's Carmody Hillcrest neighborhood. The main house is yours to live in. Cottage tenant is $2,300/month + pet rent - month-to-month lease — income that starts the day you close. This is the property for a buyer who wants to bring a parent close, house an adult child without losing privacy, or simply have the mortgage subsidized by a tenant who's already there. The cottage's picket-fenced yard, separate from the main house fenced yard for privacy - two distinct outdoor spaces. A low-maintenance income setup — separate utilities, no shared walls, and well/septic systems = no water utility costs, which matters in Colorado. The Main House Open-concept living built to take advantage of the 200-degree mountain and city views. Chef's kitchen — five-burner gas range, generous storage. Primary suite includes a walk-in closet; the main bath has a deep soaking tub. A central wood stove keeps heating costs down, and owned solar panels (paid in full, transferring to the new owner) do the same. Main-floor laundry. Two walkout patio doors lead to a west-facing deck for sunset views over the foothills. Spacious walk-out basement, living space, 2 non-conforming bedrooms, with its own private entrance — almost like a third living space within the main house. Perfect for a multigenerational buyer or House Hack Investor. The Cottage A genuinely separate 2-bedroom, 1-bath home. A full acre, corner lot, with the main house yard separately fenced from the cottage's picket-fenced yard, plus a fire pit, garden space, and a hot tub. Far enough from the city to feel private, close enough that downtown Denver is under 20 minutes away. Seller holds an inactive Colorado Real Estate License

2540 S Kipling Street, Lakewood

Courtesy of Denver Property Group . micki@denverprop.com,303-551-4572


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