PRIME MONTCLAIR OPPORTUNITY! Live Smart or Invest Wise!Legal 2-family on desirable North Willow St! 3,563 SF total living space on 4,636 SF lot. Built 1907, effective age 10 yrs, well-maintained UNIT #1 (1st Floor) - VACANT & READY: 4 bed, 1 bath, 1,493 SF. Perfect for owner-occupant or select your ideal tenant!UNIT #2 (2nd Floor) - PREMIUM INCOME: 6 bed, 3 bath, 2,071 SF. Rare large unit with strong rental demand.OWNER-OCCUPANT OPPORTUNITY: Live for just $2,161/mo effective cost! With simple $10K-$15K upgrades to Unit #2 (kitchen, baths, finishes), rent at $5,000/mo while tenant covers 70% of your total housing expenses. Comparable homes rent for $4,500-$6,500/mo - you live for less than half that while building equity in a $1.149M asset!INVESTOR VALUE-ADD: Current income $100K+/yr. Strategic $12.5K renovation increases NOI to $69,688 (6.06% cap rate) and creates $31K-$51K instant equity. Self-managed cash flow $930/mo with 15-17% total annual returns including appreciation & tax benefits.Property tax $14,345/yr. Flood zone AE - Estimated Flood insurance $1,300-$1,700/yr (Verify on FEMA website)LOCATION: Walk to schools, downtown Montclair, NYC transit. Established neighborhood with strong appreciation history.Perfect for savvy buyers seeking affordable homeownership OR value-add investors! Don't miss this rare legal 2-family with 6-bed premium unit!