Seller financing available. Downtown Gunnison, four lots, income-producing apartment, and a heated garage with a car lift—this property checks boxes that rarely line up in town. 322 N Iowa Street offers a centrally located property with space, flexibility, and multiple usable improvements, all within walking distance to Gunnison’s favorite coffee and dining options, just 2 blocks from Western University, 3 blocks from Gunnison Valley Hospital, and groceries around the corner. The main home includes 4 bedrooms and 3 bathrooms with a functional layout, including a dining area, den, mudroom entry, and storage. The home is well insulated, and all windows were replaced with Andersen windows in 2020. It retains its historic character while being updated and fully turn-key. The basement includes a separate 2-bedroom, 1-bath apartment. The unit has a strong rental history and is estimated around $1,400/month. There is also approximately 400 square feet of additional basement storage. The detached garage, built in 2010, is heated, well insulated, and includes a 2023 BendPak GrandPrix 7,000 lb car lift. It features 10.5-foot ceilings, large door access, and convenient entry from a quiet alley—well suited for vehicle storage, a workshop, or equipment. The attached garage is approximately 240 square feet and is suitable for a small car. The exterior is well set up and usable. The backyard is fully fenced for privacy and was professionally landscaped in 2022 with in-ground sprinklers, irrigated flower beds, raised garden beds, and a Colorado red flagstone patio. The side yard includes a small greenhouse and a storage shed. The front yard has access to irrigation water via the Gunnison ditch. Mature landscaping provides separation and usability across the property. The main home, apartment, and garage have all been rented previously with solid performance. This property works as a primary residence with supplemental income, a full investment property, or a live/work setup with room for projects and storage. Seller financing is being offered to qualified buyers with 20% down and a 3.5% interest rate, subject to Seller approval and final negotiated terms.