Pays for itselfFits 3 partner lending programs

10186 Zeno St, Commerce City, CO 80022

Commerce City, CO 80022 · 3 bd · 2.5 ba · 1,875 sqft · Single Family · 46 days on market

The math, in full

Asking price
$440,000
Down payment (25%)
$110,000
Loan amount
$330,000
Est. monthly rent
$2,827/mo
Range $2,403–$3,251/mo
Monthly payment, all-in
$2,766/mo
Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR)
1.02
$2,827 rent ÷ $2,766 payment
Monthly cashflow
+$61/mo
What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 80022, from current market comps — not a per-property guess. High confidence — plenty of comparable rentals in this zip.

Cash to start

$110,000

25% down on $440,000

Clayhouse Mortgage — ColoradoYour local lender
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No credit pull. No obligation. A loan officer confirms real terms within one business day.

  • Screened against real lending criteria — this one fits 3 programs.
  • Qualifies on the property's rent — no W-2 or tax returns.
  • Listing data verified as of June 8, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.