4105 Oak Street, Kansas City, MO 64111

Two ways to win: house hack it or hold it. Both units are now leased. The 2BR/1.5BA lower unit just signed a 12-month lease at $1,200/month. The 3BR/1.5BA upper unit is month-to-month, so an owner-occupant can give proper notice and move into the larger unit while the lower lease helps pay the note.

An investor can keep both tenants in place and reset the upper rent toward market. Two-unit property, so it qualifies for FHA (3.5% down) and conventional owner-occupant financing (5% down). FHA's self-sufficiency test only applies to 3-4 unit buildings, so this duplex avoids a hurdle that larger multifamily properties face.

With a signed lease on the lower unit, lenders can typically count 75% of that rent toward qualifying. Located in Vanderbilt Place in the Valentine/Westport corridor, minutes from Westport, the Country Club Plaza, and KU Medical Center, in one of Kansas City's most consistently strong rental submarkets.

Separate utility meters, forced-air gas heat, central electric cooling, off-street parking, full basement, 2,464 SF total. Rent roll, lease detail, and expense summary available to qualified buyers on request. Buyer and buyer's agent to verify all information. 48-hour notice required before showing. Both units are tenant-occupied, so please do not disturb tenants. Agent-accompanied showings only. Seller is a licensed broker in MO and KS. Seller is a licensed broker in MO and KS.