327 10th StreetTroy, NY 12180Price: $219,900

Why pay the whole mortgage yourself when a tenant can help? Move right into the spacious vacant first-floor unit of this attractive Troy two-family and start collecting rent from the long-term tenant upstairs from day one. Set on a quiet side street with great curb appeal and ample street parking, you're just 3 minutes from I-787 and Route 7 for an easy commute throughout the Capital Region. Step inside and appreciate the character that makes this home special--lofty tin ceilings, warm wood floors, and exposed brick add texture and charm you simply don't find in newer homes. Whip up your favorite meals in the ample eat-in kitchen, offering plenty of cabinetry and counter space plus some newer appliances. Gather in the formal dining room or take the party outside onto the huge back deck beneath a leafy canopy of mature trees that creates a welcome sense of privacy. Relax in front of the cozy pellet stove in the living room. When the day is done, you'll love unwinding in the expanded primary bedroom. Enjoy year-round comfort with forced-air heat and central A/C in the first floor unit. Separate utilities keep costs low. Upstairs, the long-term month-to-month tenant provides immediate rental income. That unit has hot-water radiator heat (no central A/C). The flexible 2nd floor layout also offers future possibilities: use the living room with closet as an oversized primary bedroom and transform the dining room into a comfortable living room. There is also a bonus room accessed off the landing that makes a great micro office. Whether you're ready to stop paying rent and start building equity or simply love the idea of having rental income help offset your housing costs, this owner-occupy opportunity is a smart way to start your home ownership journey. Troy Schools. Separate utilities. Restricted showing schedule Mon, Wed & Fri 3:30 - 7:30pm and Sat 111am - 4pm with 24 hours' notice. Ask about the $20k credit the seller is offering for a full price offer!