OWN A 3-BEDROOM HOME FOR LESS THAN YOU'D PAY IN RENT! Yes, really! Offered at $399,900 with a seller-paid 2-1 interest rate buy-down, this charming over-under duplex offers an incredible opportunity to stop renting, start building equity, and let someone else help pay your mortgage! With just 5% down, an estimated first-year monthly payment of approximately $2,600, and $1,200/month in existing basement rental income, your effective housing cost could be as little as $1,400/month in year one! And unlike many duplexes, the spacious, VACANT upper unit offers THREE bedrooms, 9-foot ceilings, beautiful refinished hardwood floors, abundant natural light, updated lighting, and fresh interior and exterior paint. Downstairs, great long-term tenants currently rent the 2-bedroom garden-level unit for $1,195/month on a month-to-month lease and would love to stay. The lower unit features southern-facing natural light, an updated bathroom, and an egress window in the northernmost bedroom. Shared laundry and storage, a spacious yard, and a detached one-car garage add even more appeal. Conveniently located near UNC and downtown Greeley. Live upstairs, collect rent downstairs, and enjoy the financial flexibility of homeownership with built-in income from day one!