Seller paid concessions of $16000 for the special 30 year financing offered with this property. Instead of a condo with HOA dues, buy this duplex, each unit with 2-beds & 1-bath, get a 4.99% (5.431 APR) 30-year interest rate, AND your effective monthly payment is reduced each month by the rent received from the other unit. Further, unlike a loan qualification for a condo, here you qualify at the net-lower payment, affording you more to buy. And you are the master of your own property, starting to gain appreciation in a 2- 784sqft duplex investment property, not in a condo within a building of other units, subject to HOA rules and increasing HOA fees. The seller has purchased the lower rate allowing disclosure of the lending details. Call the agent for complete details.