Special financing opportunity! This property may qualify for Provident Bank?s Community Advantage Loan Program, offering a 5.25% 30-year fixed rate, as little as 5% down, no PMI, and no income limitations. Eligible buyers may also qualify for up to $5,000 toward closing costs or down payment expenses. Rates and terms are subject to change, and financing options for two-family properties must be confirmed with the lender. Welcome to 232 4th Ave, a beautifully maintained two-family home offering the perfect opportunity to enjoy homeownership while benefiting from rental income from day one. The newly renovated upper-level owner's unit features 3 spacious bedrooms and 2 full bathrooms, including a private primary suite, dedicated laundry room, hardwood floors, and a stunning updated kitchen complete with quartz countertops, shaker-style cabinetry, and stainless steel appliances. The ground-floor 3-bedroom, 1-bath unit is currently occupied and generating $2,450 per month in rental income, helping offset monthly housing expenses. Outside, enjoy a private driveway, built-in garage, fenced backyard, and inviting curb appeal. Conveniently located near Branch Brook Park, shopping, public transportation, and major highways, this property offers an exceptional opportunity for homeowners and investors alike.