This property qualifies 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. 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 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! Rates and terms are subject to change. Financing subject to buyer eligibility, lender approval, and program requirements.