Welcome to this classic two-family home in Ossining, boasting beautiful curb appeal and a charming front veranda. This property is a fantastic investment opportunity, perfect for those looking to live rent-free or generate rental income. The left-side unit welcomes you with an entryway leading into a spacious living room. The extra-large eat-in kitchen is ideal for gatherings and has a door to an enclosed porch with direct access to the yard. Upstairs, you'll find three comfortable bedrooms and a hall bath. A walk-up attic offers ample storage space. The right-side unit mirrors the left with its entry, generous living room, and expansive eat-in kitchen. From here, step out to a covered porch and enjoy the spacious fenced-in yard. This unit also features three bedrooms, a hall bath, and a walk-up attic for additional storage. Both units have access to a full unfinished basement, providing plenty of room for storage or potential future expansion. The property is enhanced with solar panels, making it cost-efficient and environmentally friendly. Conveniently located just five minutes from the Metro North station and the waterfront, and close to shops, dining, transportation, and highways, this home is perfect for commuters. Don't miss out on this exceptional property in a prime location! Additional Information: HeatingFuel: Oil Above Ground,
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William Raveis Mortgage, LLC
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NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $520,000 | $520,000 | $520,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $1,165 | $1,165 | $1,165 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,503 | $3,456 | $4,385 |
Total Monthly Payment | $4,760 | $4,713 | $5,642 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.