Mile High Home Group – Welcome to Denver

Real estate outperforms stocks for Denver investors seeking steady cash flow, tax advantages, and leverage in the Colorado housing market, but stocks edge out for liquidity and lower effort—local properties win long-term through 6-8% appreciation plus rents when hands-off management fits your life.

Key Comparison Factors

After 15+ years in Denver real estate and thousands of transactions, I compare returns head-to-head: properties deliver 8-12% total (4-6% cash-on-cash plus appreciation), beating S&P averages in balanced cycles, with 1031 exchanges deferring taxes unlike stock gains. Leverage amplifies—20% down on $600K yields 25%+ ROI if rented right. Stocks shine for diversification (no roof leaks) and quick trades, but miss depreciation write-offs and principal paydown. Volatility hits stocks harder in recessions; real estate weathers via tenants. Hands-on beats passive for control.

Denver’s job growth tilts local edge.

Denver-Specific Real Estate Edge

Highlands Ranch real estate builds equity fast (7-9% yearly) near Mountain Vista schools, with HOAs stabilizing values for family rentals—rents cover PITI plus $400/month flow. Littleton bungalows ($550K) flex no-HOA freedom, basement units boosting yields to 9% amid LPS demand. Core Denver urban spots like LoHi match stock volatility with 10% gains from tech influx, but parking/HOA fees trim nets. Market cycles favor real estate: winters hold rents firm, springs surge comps 5-7%. Compared to Littleton versatility, Highlands Ranch trades yield for school premiums—stocks can’t match block-level pricing power.

Local comps drive decisions.

Practical Advice for Buyers and Sellers

Asset	Liquidity	Avg Return	Effort Level
Denver Real Estate	Low	8-12%	High
Stocks	High	7-10%	Low

Investors, start with 20% down properties hitting 1% rule—reinvest rents, hedge with index funds. Sellers, time to cycles—price to recent sales, negotiate concessions.

My hands-on, concierge-level service crunches real estate vs. stocks block-by-block, weighs school/HOA fits through market cycles, builds pricing from local sales, and negotiates relentlessly for superior portfolios. Clients are long-term relationships and friends, not transactions—integrity, honesty, transparency, and relentless work ethic align strategies to goals.

If weighing real estate against stocks for your Denver real estate plans—Littleton, Highlands Ranch insights—reach out anytime. I’m here for a no-pressure conversation and honest guidance tailored to the Colorado housing market.