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Stellar Properties

Stellar Properties blog


Charming 2-bedroom, 2-bath Gold Run condominium in excellent condition. Great location near the health club and trails.

Large, open living room w/fireplace. Large bedrooms with ample closet space. Modern kitchen, washer/dryer & Underground Reserved Parking. Gas heat, central AC. 

Steps away from hiking & bicycling trails, Boulder Creek, shopping, restaurants, & the 29th Street Mall. Private Health Club Included with indoor swimming pool, exercise equipment & 2 hot tubs!

Showings start Fri 4/29.


Learn more here.












Mutual Security Mortgage is a local mortgage company that is helping families with all of their mortgage needs. There’s a unique program that allows family members to help out, when traditional financing would not allow it.

The first program is for parents of adult disabled children. If that disabled adult child either has no job, no credit, or simply can’t afford to qualify for a house, we can have the parents buy the home as an owner occupied property and have the child live in it.

Traditional financing would allow the parents to co-sign, but that would require the child to have acceptable credit and be on the loan. This program doesn’t require any involvement of the disabled child at all.

The second unique program is for adult children buying a home for their elderly parent. If the parent has retired, has little or no income and credit and can’t qualify on their own, the adult child can purchase the home for their parent as an ‘owner occupied’ home. 

Buying properties as ‘owner occupied’ does two things: it allows you to have the lower owner occupied rate, and it allows for lower down payment amounts. Investment rates are at least .25 percent higher in rate, and they require at least 20 percent down. By taking advantage of these programs, you can help provide your family member with a housing option with a low rate, and lower down payment.

If you have any questions about these programs, or any other mortgage needs, please contact Ananda Lantaff, Mortgage Banker, Mutual Security Mortgage. Ananda (at) boulderfinance dot com.

In 2016, most experts agree that real estate prices will continue to rise, although at a slower pace than in 2015. Below are some of the trends I've seen this past year in our local market that I predict will continue in 2016.
  • Buyers are looking for homes farther east. The "drive until you qualify" term has never been more true than in this period of rapidly rising prices. More people are having to look farther east than they had originally planned.
  • Buyers need to make quick decisions. If buyers hesitate too long, their prospective home may go under contract quickly. I recommend our buyers do their market investigations well in advance of being ready to write an offer. Often, buyers need to make decisions quickly and they are more comfortable doing so if they have taken the time in advance to understand the options available.
  • Sellers are doing less to sell. In this seller's market, sellers figure it's not worth the time and money to prepare a home for sale. I am seeing more homes for sale that aren't completing home repair projects. Some sellers adjust the price accordingly and some don't. Some buyers are surprised that sellers are doing this, but that may be the filter to deter other buyers in the field, which can help a buyer win an otherwise gem of a home.
  • Buyers and Sellers are experiencing longer closing periods. The new TRID rules are forcing lenders to get final financial figures determined 3 days before closing which is forcing longer closing dates. This trend will continue and it's more important than ever to have a organized lender that is on top his/her game.
  • It's helpful to find homes before they hit the market. I've been able to find some homes before they hit the market. This has been a huge advantage to our buyers. I belong to an Independent Broker's database where we alert other independent agents of upcoming listings, and this is one of the ways I've been able to find our buyers properties. The majority of Realtors in our area belong to Independent brokerages so this has been a significant advantage to our buyers.

Stunning ranch home with walkout basement that backs to the Broadlands Golf Course. Enjoy Continental Divide views throughout main level, including covered patio off kitchen. Fully finished basement features a master bedroom suite, another bedroom with its own bathroom, and a wet bar. Most of the carpet is new. Some of the upgrades incl: 2 zone heating & AC, Tankless water heater, Surround sound wiring Alarm system wiring, Hunter Douglas blinds. Showings start May 30.

5 Bedroom, 5 Bathroom, $735,000



Please contact Tony Martinez to schedule a showing or learn more. 

Home For Sale: 409 Seward Street, Lyons, CO 

Unique Opportunity to Live in Downtown Lyons, Colorado. Great stone cottage in the best neighborhood in Lyons. This 4 bedroom, 2 bathroom home has been tastefully remodeled throughout, including beautiful kitchen with stainless appliances & concrete counter tops. Hardwood floors throughout. Spacious/bright family room with efficient wood burning stove. Beautiful oasis of a backyard with custom pergola and custom garage. Walking distance to downtown, coffee shops, restaurants & shopping. 24 hr notice to show.

Contact me for a private showing - Contact Tony! 

More details here: 






Charming condo with newer countertops, windows, flooring & appliances. Close to shopping, grocery stores, parks & bus lines. Nice complex with park like features including clubhouse with fitness area, large swimming pool, tennis, volleyball, BBQ, clubhouse, workout room, sauna, and park. Very quiet, no thru traffic. 1 assigned parking space. Easy walk to new RTD station to be built at Boulder Junction, which will bump appreciation and rents. No showings until Wed May 6.

Welcome to Our New Stellar Property Listing: 1738 Sumac Street, Longmont, CO 80501 

This charming 4 bedroom, 2 bathroom home is in turn-key condition has a great floor plan and natural light streams throughout.  Quiet street and easy walk to Garden Acres park, stores, restaurants and more. Living room has cathedral ceilings and large windows. Backyard has a 6 foot privacy fence surrounding the gorgeous, professionally landscaped backyard.  




Paying for housing in Boulder can add up for parents with children in college. As an exercise, our team wanted to analyze the potential benefits of owning an investment property in Boulder compared to paying for housing as a student attends CU or another local university.

While owning a home for 4 years may seem like a short time frame, especially with the uncertainties that exist in real estate and investments in general, a recent listing (see below) sparked our interest in at least "running the numbers."

Scenario 1 - Renting in Boulder for 4 years:

Total cost in rent for 4 years: $680/month * 12 months * 4 years = - $32,640.

Scenario 2 - Investing in a property like 1829-1831 22nd St, Boulder:

Assumptions: Our goal is to simulate the current market in Boulder, CO, please check with First Bank for up to date quotes on rates.

Home Value: $975,000
25% down = $243,750
75% mortgage = $731,250
30 yr 5/1 ARM Mortgage @ 3.5% = $3,283/month (First Bank)
Property taxes + insurance = $460/ month
Maintenance/ repairs = $186/ month

Total expenses (mortgage + property taxes + insurance + repairs) = $3,929/ month

Gross Income (at $680/mo per tenant) = $5,460/ month

Total net income (after mortgage, taxes and repairs): ($65,520/12) = $5,460 - $3929 = $1,531/ month or $18,372/ year

Subtract one child's rent at $680/Mo : $1,531/month - $680/month = $851/month or $10,212/ year

Total positive cash flow after 4 years in school: $10,212/year * 4 years = $40,848


Owning the rental property results in a difference of $73,488 for one college student's cost of housing for 4 years in college in Boulder.
In this analysis, we have not considered the impact of appreciation of real estate in Boulder, CO. The owner purchased this property for $585K about 10 years ago. There should be very similar appreciation for this property in the future, especially given the general expectation that rent will continue to rise in the town as a whole.
If you are interested in learning more about investment property in Boulder, CO, please do not hesitate to contact Tony. If 1829-1831 22nd St is no longer on the market, we may know of other properties that may be of interest!
NOTE: The information above is deemed accurate but not reliable. Please have your financial or real estate professional verify the financial information.

1829-1831 22nd St, Boulder, CO 80302




2335 Total SqFt


1 Story/Ranch Style
Boulder County
O T East & West & North Subdivision
RH-2 Zoning
Please look again - shows much better w/new tenants. Great cash flow - increased rents possible with some remodeling. All rooms rented through Fall of 2015. Owner has experienced NO VACANCIES in 10 yrs. Easy walk to CU, Pearl St, Naropa, 29th St Mall. Well maintained property, easy to manage. Extensively remodeled/upgraded in 2004. Great development potential; may be possible to have 5 units. Showings only between 1-5. Previous day notice required to show - no exceptions. Showings start Aug 18.

Please learn more at our listing or contact Tony today

Coveted main level living, adjacent to beautiful neighborhood park and easily walkable to restaurants, coffee shop, bank and more. Private shaded patio overlooks park. Welcoming front courtyard with mature trees and garden area. Energy efficient and built green. Kitchen with center island. Larger master suite features walk-in closet. Extra long 1 car garage. Great access to Boulder, Twin Peaks Mall, schools. Showings start Friday Aug 22, no exceptions. 4 hour notice preferred to show.





To learn more about this great 2 bedroom, 2 bath unit in Longmont, please contact Tony and view more at  4501 Nelson Rd 2301, Longmont, CO 80503