3.99% Assumable FHA Mortgage Available (Buyer Must Qualify) | Price Reduced $5,000 | One Unit Vacant November 1st Live in one unit and let the neighboring unit help pay your mortgage. With one unit becoming vacant on November 1st, this is a rare opportunity for a first-time homebuyer, owner-occupant, or house hacker to take advantage of an assumable 3.99% FHA mortgage while generating rental income from the adjacent unit. Rare side-by-side duplex in St. Paul's Hamline-Midway neighborhood offering over 5,100 finished square feet, 8 bedrooms, and 4 bathrooms. Each unit lives like a single-family home with spacious multi-level layouts, private entrances, generous living areas, and abundant storage throughout. The soon-to-be-vacant unit was recently marketed at approximately $2,600 per month and generated significant interest from prospective tenants, giving the next owner flexibility to either occupy the space or lease it at market rent. Recent improvements include new appliances and other updates that support strong rental performance while preserving future value-add potential. Situated on a 6,100-square-foot lot, the property offers off-street parking and private outdoor space for residents. Conveniently located near Allianz Field, the Green Line light rail, major universities, shopping, restaurants, and both downtown Minneapolis and downtown St. Paul, the property provides easy access to some of the Twin Cities' most desirable amenities and employment centers. Whether your goal is to reduce your living expenses through owner-occupied investing, begin building a real estate portfolio, or acquire a large income-producing asset with attractive financing, this property offers flexibility, scale, and immediate upside. Opportunities to purchase a duplex of this size with a vacant unit, immediate house-hack potential, and an assumable 3.99% mortgage are increasingly rare in today's interest rate environment.