Welcome to 816 Newington Ave — a rare opportunity to own real estate and not pay a mortgage the traditional way. This fully functional duplex is more than just a home; it’s a smart financial move for the buyer who wants income, flexibility, and long-term growth in one of Baltimore’s most accessible neighborhoods. Here’s why this property stands out: The upper unit features four full bedrooms, ideal for mid-term rental setups that attract traveling professionals, remote workers, or roommates looking for fully furnished space near Penn Station, Druid Hill Park, MICA, and downtown. This layout creates a consistent stream of premium rental income while still leaving you the freedom to live on-site or lease both units. The lower unit has two bedrooms and is equally appealing for tenants who want an affordable, stylish, and centrally located space. Whether you choose to live in the 2-bed or 4-bed unit, the other can cover your mortgage—sometimes entirely. Depending on your financing structure and rental strategy, this property can generate enough monthly income to offset your housing costs completely, while you build equity and gain the tax advantages of owner-occupancy. Already operating as a mid-term rental, this property comes income-ready with strong performance potential. Whether you’re furnishing the units for traveling nurses, or offering 30+ day leases for corporate professionals, this setup is ideal for buyers who want cash flow without the chaos of short-term turnover. Even better? The loan is assumable. That means you could step into lower interest rates than what the current market offers—creating real monthly savings from the start. In today’s rate environment, that’s a strategic advantage few listings can offer. 816 Newington is perfect for: First-time buyers who want to house hack and build wealth Investors expanding their portfolio with strong rent-to-price ratios Families looking to stay close—but not too close—with separate units Buyers who want income, tax benefits, and long-term appreciation without sacrificing lifestyle Located just minutes from Druid Hill Park, Station North, Penn Station, and the major commuter routes into downtown and beyond, this property sits in the heart of where Baltimore is growing. If you're ready to live smarter, not harder—and want a path to homeownership that builds your net worth instead of draining your bank account—816 Newington Ave is your next move. Reach out to learn how to assume the current loan, run the numbers on potential rental income, or explore grant options if you plan to owner-occupy.