Homes Under $550K Price For Sale in Five Points, Denver | Page 2

Beautiful 3 bedroom, 2 bathroom townhome in the Historical Curtis Park Neighborhood. Includes a stainless steel kitchen appliance package with Refrigerator, Stove, Dishwasher and Overhead Microwave Oven and Washer/Dryer set. Light plank vinyl flooring on the first floor leads up to the upper level containing 2 Bedrooms and a 3/4 Bathroom. Downstairs is the 3rd bedroom with an ensuite 3/4 bathroom. Amenities include an off street parking space and a designated garden plot. Being on the edge of RiNo, this home is located within close proximity to many Restaurants, Breweries and Downtown Denver. ***This is an income restricted home - please see Broker remarks***

** HUGE PRICE REDUCTION TO SELL ASAP!! ** Just 2 blocks from Curtis Park! This 5 bedroom, 2 bath home already has some of the heavy lifting done, fresh exterior paint, a rebuilt front porch with new banisters, new wood floors on the main level, new kitchen cabinets, several new windows, and a redone main floor bedroom. Furnace and AC are about 2 years old. Bring your vision and finish what's already been started, whether that's a fix and flip or a home to make your own. Minutes from RiNo, Five Points, and downtown Denver. Buyer and/or Buyers Agent to verify all information contained within this listing sheet and any Marketing on this property. This property is assumed to be within a Historic District. Conventional Financing Available ... this home qualifies for Renovation financing for a primary home or an investment, ask Listing Agent for details! Make this perfect location your dream home! PROPERTY SOLD STRICTLY AS-IS, SELLER WILL NOT MAKE ANY REPAIRS. If submitting an offer, Seller's corrected names are listed in the Private Remarks of this MLS sheet your Real Esate Agent needs to be aware of.

Welcome to this stylish townhome in Denver's Five Points neighborhood, offering a thoughtfully designed layout, city views, and easy access to the best of urban living. The main level features an attached two-car garage and half bath. Upstairs, the open-concept living space brings the kitchen, dining, and living areas together, with stainless steel appliances, a large island, wet bar, and balcony. A gas fireplace adds warmth to the inviting living room. The third level offers a spacious primary suite with private bath and walk-in closet, plus a second bedroom and full bath. Head to the fourth level to enjoy the private rooftop deck with sweeping Denver skyline views-an ideal spot for morning coffee, entertaining, or watching the sunset. Conveniently located near downtown, RiNo, City Park, restaurants, shopping, entertainment, and more, this home offers a great combination of comfort, style, and location.

Experience authentic loft living in this true historic Watertower Loft residence - located in the heart of LoDo! Exposed brick, timber beams, and soaring ceilings create a distinctive urban aesthetic. An open layout seamlessly connects the living, dining, and kitchen areas, with access to the private exterior balcony - perfect for dining al fresco or enjoying a morning coffee. The eat-in kitchen features an island bar, while beautiful hardwood floors, exposed brick, wood plank ceilings and wood timbers add warmth and character throughout. A convenient powder room serves guests, and the open primary suite reflects a true classic loft with a spacious walk-in closet and a well-appointed four-piece en suite bath. This home includes one covered parking space, a dedicated storage unit, and a common area fitness center. Perfectly positioned just blocks from neighborhood favorites and iconic destinations such as Coors Field, King Soopers, Whole Foods, RiNo Art District, Rail Yard Dog Park, Denver Skatepark, Commons Park, and Cuernavaca Park - perfect for this pet friendly building! Enjoy close proximity to downtown Denver hotspots including Dairy Block, McGregor Square, Riverfront Park, and Union Station, offering light rail access and the direct train to DIA. With quick connectivity to I-25, this location delivers both lifestyle and convenience at the center of it all.

Own a Piece of Denver History in the Heart of RiNo | FLEX Space easily converted into a 2nd Bedroom!! Step inside Fire Clay Lofts and you are standing in a building that has been part of Denver's story since 1885. But first, let's talk about the home itself. The main level is open, airy, and designed for real living. Soaring ceilings, reclaimed hardwood floors, and a seamless flow from the kitchen through the living and dining areas make this space feel both expansive and welcoming. The living area features a window and closet already in place, making it a natural flex room that easily converts to a second bedroom, with an adjacent full bath and shower right there. In several units throughout the building, this is exactly how it is configured. Step out to your private balcony and take in the energy of one of Denver's most vibrant neighborhoods. Upstairs, the loft-style primary suite is a true retreat. Original timber ceiling and steel beams overhead, a generous open floor plan, and a brand-new custom closet system that makes the space as functional as it is stunning. Both bathrooms have been fully remodeled, and the washer and dryer have been relocated upstairs for everyday convenience. New furnace, new AC, new dishwasher, new refrigerator. Everything has been done. That history we mentioned? It lives in every exposed brick wall, every reclaimed timber beam, every inch of original hardwood underfoot. The Denver Fire Clay brick manufacturing company built this place in 1885, and the bones show it in the best possible way. Additional highlights include a designated parking space (#56), gated entry to both the parking area and the building, a courtyard, and all the character and energy that only RiNo can deliver. Improper City right across the street, Coors Field minutes away, and Union Station within easy reach. This is not just a home. It is a living piece of Denver history.

BRAND NEW HARD SURFACE FLOORING-NO CARPET Gorgeous modern 2019 townhome offering contemporary design and exceptional convenience in a prime location with LARGE ROOFTOP DECK! This bright and stylish home features 2 bedrooms and 3 bathrooms, along with a versatile lower-level flex space perfect for a home gym or office. The property includes an oversized attached one-car garage with additional storage and NO HOA. The open-concept living area showcases a bright kitchen with a large island, updated appliances, great storage, and custom blinds, along with central A/C and heat for year-round comfort. One of the home's standout features is the expansive rooftop deck with stunning mountain and Flatiron views, ideal for entertaining or relaxing. Located within walking distance to RiNo, Five Points, Downtown, and Uptown, you'll enjoy easy access to some of the city's best restaurants, bars, and grocery stores. An exceptional place to live or an outstanding investment opportunity with strong income potential.

Welcome to your next chapter in one of Denver's most vibrant neighborhoods. This stylish two-bedroom, two-bathroom townhouse delivers the perfect blend of urban energy and everyday comfort, all wrapped up in a location that makes city living feel effortless. Come inside and discover a thoughtfully designed layout where modern finishes meet functional living spaces. The main level invites you to cook, gather, and unwind with ease, while generous windows fill the home with natural light that makes every room feel alive. Upstairs, the primary bedroom offers a private retreat complete with its own full bathroom - because you deserve a little sanctuary after a long day. The second bedroom provides flexible space for guests, a home office, or whatever your lifestyle demands. Location is where this townhouse truly shines. Grocery runs are a breeze with Safeway just a short distance away, and commuters will love the convenient access to public transit, including the Welton light rail steps away, bus stops nearby and Denver Union Station less than two miles from your front door. When the weekend rolls around, explore the Skyline Beer Garden for a leisurely afternoon outdoors, or wander into downtown Denver where restaurants, shops, and entertainment are always within reach. This is the kind of home that checks every box - stylish, well-located, and ready for someone who wants to embrace everything Denver has to offer. Schedule your private tour today before this gem finds its new owner.

HUGE PRICE REDUCTION!!!!Welcome to top-floor luxury in the heart of RiNo! This bright and sophisticated 1bedroom plus den, 1bathroom condo offers 960 sq ft of modern design with soaring ceilings and abundant natural light. The open concept floor plan features stunning oak floors, a convenient entry coat closet, and a great space for a dedicated dining area. The huge, open kitchen is a true chef's dream, complete with a big pantry cabinet, premium finishes, a sleek induction cooktop, and a kitchen island with ample seating space. The spacious primary bedroom includes a custom walk-in closet and a beautifully appointed dual-vanity bathroom, while the versatile den provides the perfect space for a home office or guest room. Step out onto your private balcony to take in spectacular sunsets and mountain views. Enjoy unparalleled peace and quiet, this top-floor unit boasts ultimate privacy with no neighbors above you, a quiet storage room on one side, and a neighbor's rooftop on the other. It also comes with its own included private storage room for ultimate convenience! This secure entry elevator building provides incredible amenities, including reserved heated underground parking, an in unit washer/dryer, and a private courtyard featuring relaxing swings, fire pits, grills, and a community garden to grow your own veggies. Located just one block from Larimer Street, you are steps away from RiNo’s best dining, breweries, and galleries. Plus, enjoy exclusive owner discounts at the local coffee shop and bakery downstairs. Experience the ultimate urban retreat!

Act Now: Qualified buyers may access up to $25,000 in total DPA. Welcome to The Hattie McDaniel, a thoughtfully designed community of permanently affordable condominiums located in Denver's historic Five Points neighborhood. Named in honor of Denver's own Hattie McDaniel-the first Black woman to win an Academy Award-this community celebrates cultural legacy alongside modern homeownership. Be one of the first to own at The Hattie! Multiple units are available with 18 unique floorplans to choose from, offering a variety of price points to fit your needs. These move-in ready, all-electric homes feature open-concept layouts, large windows with abundant natural light, Energy Star appliances, high-efficiency heat pump systems for heating and cooling, and in-unit washer and dryer. Located in one of Denver's most culturally rich and walkable neighborhoods, residents enjoy close proximity to local restaurants, coffee shops, art, music, and convenient access to downtown and public transit. Closings are anticipated to begin in June. Photos are of a similar unit. Homes are part of the Elevation Community Land Trust (ECLT) program, providing a unique opportunity for qualified buyers to own in a prime location. Tour the community first, then begin your application process at https://www.elevationclt.org/buy-a-home/. Buyers must meet income and asset limits and occupy the home as a primary residence. Ask about our low interest rate program starting at 3.5%. A $100/month land lease fee applies in addition to HOA dues. County to assess for Property Taxes. 2026 FMR Income Limits: 1 ($74,800) | 2 ($85,450) | 3 ($96,150) | 4 ($115,350) | 5 ($123,900)

Act Now: Qualified buyers may access up to $25,000 in total DPA. Welcome to The Hattie McDaniel, a thoughtfully designed community of permanently affordable condominiums located in Denver’s historic Five Points neighborhood. Named in honor of Denver’s own Hattie McDaniel—the first Black woman to win an Academy Award—this community celebrates cultural legacy alongside modern homeownership. Be one of the first to own at The Hattie! Multiple units are available with 18 unique floorplans to choose from, offering a variety of price points to fit your needs. These move-in ready, all-electric homes feature open-concept layouts, large windows with abundant natural light, Energy Star appliances, high-efficiency heat pump systems for heating and cooling, and in-unit washer and dryer. Located in one of Denver’s most culturally rich and walkable neighborhoods, residents enjoy close proximity to local restaurants, coffee shops, art, music, and convenient access to downtown and public transit. Closings are anticipated to begin in June. Photos are of a similar unit. Homes are part of the Elevation Community Land Trust (ECLT) program, providing a unique opportunity for qualified buyers to own in a prime location. Tour the community first, then begin your application process at https://www.elevationclt.org/buy-a-home/. Buyers must meet income and asset limits and occupy the home as a primary residence. Ask about our low interest rate program starting at 3.5%. A $100/month land lease fee applies in addition to HOA dues. County to assess for Property Taxes. 2026 FMR Income Limits: 1 ($74,800) | 2 ($85,450) | 3 ($96,150) | 4 ($115,350) | 5 ($123,900)

Urban Light. Loft Volume. Union Station Living. Welcome to Jack Kerouac Lofts — one of Denver’s most iconic boutique buildings in the heart of Union Station North. This oversized 1-bedroom lives like a true 2-bed, offering 1,250+ sq ft of open, flexible space, floor-to-ceiling south-facing windows, and an expansive private balcony that brings the city to you. Inside, the layout flows effortlessly: A sun-drenched living room with room for multiple furniture zones A dining area that actually fits a full table A bedroom large enough for a king bed + workspace A beautifully updated bathroom Fresh paint, deep clean, and turnkey condition The kitchen features stainless appliances, generous storage, and a breakfast bar perfect for casual mornings or entertaining friends before a Rockies game. You’ll also enjoy two heated garage spaces (rare downtown), in-unit laundry, secure building access, and 11 months of free 1GB fiber internet included with the sale. Step outside and you’re moments from everything: Union Station, Whole Foods, Coors Field, Dairy Block, the light rail, and Denver’s best restaurants, coffee shops, and nightlife. If you’ve been looking for a home that blends space, light, walkability, and modern loft living — this is the one. Will be taken off the market November 30th. Bring us an offer!!

Incredible Opportunity for Developers, Investors, and Future Homeowners on this Flat buildable lot on Arapahoe Street! Whether you want to build your personal home or just invest in the area, this lot is ready for your ideas/designs. The core residential areas in Curtis Park are primarily zoned U-RH-2.5 (Urban context, allowing Row House, duplex, and urban house primary structures, 2.5 story limit) in the historic districts. New Construction and Full Rehabs all around in this rapidly appreciating area. Limitless opportunities! Minutes from Downtown Denver. About 6 minutes to the Rockies Ball Park, Parks and trails await the buyer.

ONE FULL YEAR OF HOA DUES PAID PLUS UP TO $20,000 IN SELLER CREDIT. Both are subject to lender guidelines. // Discover 1,596 square feet of thoughtfully updated living space in the heart of RiNo. With two levels, a private entrance, and the feel of a townhome, this distinctive mixed-use condo offers exceptional flexibility for living, working, and entertaining. Rich hardwood floors extend throughout the home and complement a striking kitchen featuring custom concrete countertops, a glass-topped island, Samsung appliances, a wine fridge, a plumbed coffee station, and an instant hot water dispenser. The lower level is wired for sound, while integrated Wi-Fi and hardwired networking support seamless connectivity throughout. Extensive improvements include updated heating and air conditioning, a newer water heater, upgraded electrical, motorized shades, upgraded windows and sliding glass doors, and ceiling fans. One covered parking space is included. HOA dues cover water, sewer, landscaping, building and roof maintenance, driveway upkeep, snow removal, insurance, and contributions to reserves. Please follow this link for the 3D digital tour: https://www.youtube.com/watch?v=3TeLLXjBwxU

Act Now: Qualified buyers may access up to $25,000 in total DPA. The Burrell offers affordable one, two, and three-bedroom luxury condos in the heart of Denver’s vibrant RiNo Arts District. Included Amenities: - Energy-Star-rated appliances - In-unit washer/dryer - Open living spaces - Large windows for tons of natural light. This convenient location near I-25 and I-70 is ideal for commuters who want to be close to open space, bike trails, public transit, DIA, local breweries, and more. The Burrell condos also feature LED lighting throughout, and on-site solar panels to help offset Common area utility costs. The Burrell Condos are not just a place to live; they’re a tribute to the legendary musician, Charles Burrell, whose timeless music continues to inspire us. Do you meet the income qualifications? 2026 MTSP Income Limits: 1 ($80,640) | 2 ($92,160) | 3 ($103,680) | 4 ($115,200) | 5 ($124,480) | 6 ($133,680) Visit: Elevation Community Land Trust to begin your application process. https://www.elevationclt.org/buy-a-home/. In addition to the HOA Fee, every homeowner pays a monthly land lease fee of $100 to Elevation Community Land Trust (ECLT). Owner occupancy is a requirement of purchase. A limited number of Type B ADA-convertible units are available. Up to $10,500 Seller Concession offered exclusively to buy down interest rate with participating lenders.

** 5.99% interest rate available! ** We will pay your first year HOA dues** Get ready to fall in love with this terrific townhome! You are greeted with gleaming dark wood laminate floors when you enter this modern masterpiece. 10 foot high ceilings and southeastern windows flood the space with abundant natural light. Your guests will enjoy the views of downtown from every window as you cook up gourmet meals in your kitchen while working on quartz counters and stainless-steel appliances. Or take things outdoors while you throw the best BBQs in the big meticulously landscaped grassy courtyard garden, complete with grilling area. Your friends will love the swings, wildflowers and bird houses which help create this incredible entertaining space. Invite an out-of-town guest to stay with you comfortably in the guest room which also makes a great office. And when it's all done, relax away the day in your spacious primary suite complete with big walk-in closet and large shower with bench seat. Take your morning coffee onto your private balcony and enjoy the sunrise over downtown, or have the perfect latte prepared for you at the coffee shop located at the southwest corner of the property. Your car will always be safe and just the right temperature when you park in your secure, underground parking garage which is well lit and includes bike storage, EV charging and a dog washing station right in your garage. Walking distance to Uchi and other world-class shopping and dining, not to mention parks and Coors Field! Welcome Home! Seller concession to help buy down your interest rate is available! Check out this article about the building: https://www.5280.com/2019/08/denvers-newest-multi-use-community-is-all-about-sustainable-living/ https://fb.watch/cEVjnYCJBv/

FANTASTIC REMODELED CONDO IN CENTRAL DENVER UNDER $275K! This sleek unit contains 2 Bedrooms and 1 Full Size Bath including a Stainless Steel Frigidaire Appliance package (Kitchen Refrigerator, Stove, Dishwasher, Disposal and Overhead Microwave Oven). Updates include all new Laminate flooring, New Stackable Washer and Dryer, Subway Tile Backsplash and all new Window Blinds. Located in the sought after Five Points Neighborhood you will be just steps away from bustling nightlife, diverse dining and entertainment options. Public transportation, Light Rail, Downtown Denver and easy access to I-70 complete all of the necessities any homeowner would desire! Unit ownership is part of a Land Trust development. Monthly land lease payment of $100. This condo is part of the Elevation Community Land Trust (ECLT) Affordable Homeownership program. ECLT is asking interested parties to first review their Homeownership Program at their website https://www.elevationclt.org/buyahome/. Only ECLT qualified homebuyers whose letters of qualification indicate they are under both the MTSP and FMR Income limits are eligible to purchase this home. See our income qualification sheets for these limits on our website www.elevationclt.org with a list of approved lenders for this program.

FANTASTIC REMODELED CONDO IN CENTRAL DENVER UNDER $275K! This sleek unit contains 2 Bedrooms and 1 Full Size Bath including a Stainless Steel Frigidaire Appliance package (Kitchen Refrigerator, Stove, Dishwasher, Disposal and Overhead Microwave Oven). Updates include all new Laminate flooring, New Stackable Washer and Dryer, Subway Tile Backsplash and all new Window Blinds. Located in the sought after Five Points Neighborhood you will be just steps away from bustling nightlife, diverse dining and entertainment options. Public transportation, Light Rail, Downtown Denver and easy access to I-70 complete all of the necessities any homeowner would desire! Unit ownership is part of a Land Trust development. Monthly land lease payment of $100. This condo is part of the Elevation Community Land Trust (ECLT) Affordable Homeownership program. ECLT is asking interested parties to first review their Homeownership Program at their website https://www.elevationclt.org/buyahome/. Only ECLT qualified homebuyers whose letters of qualification indicate they are under both the MTSP and FMR Income limits are eligible to purchase this home. See our income qualification sheets for these limits on our website www.elevationclt.org with a list of approved lenders for this program.

FANTASTIC REMODELED CONDO IN CENTRAL DENVER UNDER $275K! This sleek unit contains 2 Bedrooms and 1 Full Size Bath including a Stainless Steel Frigidaire Appliance package (Kitchen Refrigerator, Stove, Dishwasher, Disposal and Overhead Microwave Oven). Updates include all new Laminate flooring, New Stackable Washer and Dryer, Subway Tile Backsplash and all new Window Blinds. Located in the sought after Five Points Neighborhood you will be just steps away from bustling nightlife, diverse dining and entertainment options. Public transportation, Light Rail, Downtown Denver and easy access to I-70 complete all of the necessities any homeowner would desire! Unit ownership is part of a Land Trust development. Monthly land lease payment of $100. This condo is part of the Elevation Community Land Trust (ECLT) Affordable Homeownership program. ECLT is asking interested parties to first review their Homeownership Program at their website https://www.elevationclt.org/buyahome/. Only ECLT qualified homebuyers whose letters of qualification indicate they are under both the MTSP and FMR Income limits are eligible to purchase this home. See our income qualification sheets for these limits on our website www.elevationclt.org with a list of approved lenders for this program.

Act Now: Qualified buyers may access up to $25,000 in total DPA. AMAZING PROPERTY READY FOR MOVE-IN! The Burrell offers affordable one, two, and three-bedroom luxury condos in the heart of Denver's vibrant RiNo Arts District. Included Amenities: - Energy-Star-rated appliances - In-unit washer/dryer - Open living spaces - Large windows for tons of natural light. This convenient location near I-25 and I-70 is ideal for commuters who want to be close to open space, bike trails, public transit, DIA, local breweries, and more. The Burrell condos also feature LED lighting throughout, and on-site solar panels to help offset Common area utility costs. The Burrell Condos are not just a place to live; they're a tribute to the legendary musician, Charles Burrell, whose timeless music continues to inspire us. Do you meet the income qualifications? 2026 MTSP Income Limits: 1 ($80,640) | 2 ($92,160) | 3 ($103,680) | 4 ($115,200) | 5 ($124,480) | 6 ($133,680) Visit: Elevation Community Land Trust to begin your application process. https://www.elevationclt.org/buy-a-home/. In addition to the HOA Fee, every homeowner pays a monthly land lease fee of $100 to Elevation Community Land Trust (ECLT). Owner occupancy is a requirement of purchase. A limited number of Type B ADA-convertible units are available. Up to $13,000 Seller Concession offered exclusively to buy down interest rate with participating lenders.

Introducing a rare opportunity at Jack Kerouac Lofts-an architecturally striking 2-bedroom, 2-bathroom loft perfectly positioned in Denver's vibrant Union Station North neighborhood. Step inside to discover soaring ceilings, an abundance of natural light, and a bright, contemporary layout. The modern kitchen features stainless steel appliances, quartz slab countertops, and a reclaimed wood bar-ideal for everyday living or entertaining. Unwind on your west-facing balcony with sweeping city views and blue Colorado skies, or retreat to the expansive primary suite complete with a spa-inspired bath and large walk-in closet. Additional perks include in-unit laundry, a dedicated garage parking space, and one of the most walkable locations in the city. Enjoy immediate access to Coors Field, Union Station, light rail, Riverfront Park, Whole Foods, REI, top restaurants, coffee shops, nightlife, and boutique retail. Whether you're looking for a stylish urban residence or a smart investment with flexible rental options, this one-of-a-kind loft delivers both.

TWO PARKING SPACES and one of the largest living/dining spaces you'll find downtown at this price. Chef-inspired kitchen with Sub Zero refrigerator and JennAir gas appliances. Imagine the Al Fresco entertaining experience on the privacy terrace, protected on three sides, this outdoor space gives new meaning to indoor/outdoor living, and with no scorching afternoon sun! This dream residence has an impressive great room, able to accommodate living/dining as well as provide a WORK FROM HOME flex space(s). Guests will be captivated by the art gallery entrance 10-foot ceilings, and walls of glass overlooking the city. The master suite offers a nook which can flex as a another workspace, seating area, or dresser nook combined with two step-in closets and a luxury ensuite spa bath, this primary suite is expansive! The walk-in laundry, with Bosch washer and dryer, is just off the kitchen and is outfitted with a great pantry storage system. Seller has adjusted for the market offering this "to good to be true" opportunity by asking $43,000 BELOW what he paid just a few years ago. LOVE THE $, THE HOME, THE BUILDING AMENTITIES, AND LIFESTYLE! One Lincoln Park offers a secure, professionally staffed lobby 24/7 and perched high above, a LIFE OF WELLNESS awaits in the fitness center with its state-of-the-art machines and weights, infinity pool, hot tub, BBQ grills, sun deck, owner's lounge and guest suite. (7th and 8th floors)

Act Now: Qualified buyers may access up to $25,000 in total DPA. AMAZING PROPERTY READY FOR MOVE-IN! The Burrell offers affordable one, two, and three-bedroom luxury condos in the heart of Denver’s vibrant RiNo Arts District. Included Amenities: - Energy-Star-rated appliances - In-unit washer/dryer - Open living spaces - Large windows for tons of natural light. This convenient location near I-25 and I-70 is ideal for commuters who want to be close to open space, bike trails, public transit, DIA, local breweries, and more. The Burrell condos also feature LED lighting throughout, and on-site solar panels to help offset Common area utility costs. The Burrell Condos are not just a place to live; they’re a tribute to the legendary musician, Charles Burrell, whose timeless music continues to inspire us. Do you meet the income qualifications? 2026 MTSP Income Limits: 1 ($80,640) | 2 ($92,160) | 3 ($103,680) | 4 ($115,200) | 5 ($124,480) | 6 ($133,680) Visit: Elevation Community Land Trust to begin your application process. https://www.elevationclt.org/buy-a-home/. In addition to the HOA Fee, every homeowner pays a monthly land lease fee of $100 to Elevation Community Land Trust (ECLT). Owner occupancy is a requirement of purchase. A limited number of Type B ADA-convertible units are available. Up to $9,000 Seller Concession offered exclusively to buy down interest rate with participating lenders.