Spacious Duplex with Vacant Owner's Residence and Garden in Prime Lone Mountain-abuts USF. Whether you're looking for a smart investment or a home with rental income, this well-located duplex offers outstanding value in the coveted Lone Mountain neighborhood. The upper unit is a large two-level owner's residence featuring 3 bedrooms and 2 baths-ready for your personal touch and renovation. The lower unit is a well-maintained, tenant-occupied 2-bedroom, 1-bath flat (the dining room is currently being used as a 3rd bedroom), providing immediate income. A full-floor basement offers parking for 2+ cars, ample storage, laundry room and excellent ADU (Accessory Dwelling Unit) potential. At the rear of the property, a large garden offers an urban retreat ideal for entertaining, gardening or relaxing in nature. Located adjacent to the University of San Francisco and close to St. Mary's Medical Center, Golden Gate Park, and neighborhood amenities, this is a unique opportunity in one of San Francisco's most desirable locations.