Investor and owner-occupant opportunity at 37 Central Ave in Waterbury. This 4-family property offers a strong and versatile unit mix of two 2-bedroom units and two 1-bedroom units, with two units currently occupied and two units vacant. A major potential advantage is the seller's 2.9% assumable interest rate, subject to buyer qualification & lender approval. This assumable rate will allow for better returns on your investment and improved long-term cash flow. The two vacant units provide immediate flexibility for an owner-occupant looking to live in one unit while collecting rental income from the others, or for an investor seeking to place new tenants at current market terms. With four total units, separate utilities, and existing occupancy already in place, this property offers multiple income streams and a practical setup for both experienced investors and buyers entering the multi-family market. Recent updates include new wall-hung water heaters, adding efficiency and function to the property. Additional features include coin-operated laundry in the basement, rear parking, street parking, and a basement with laundry, storage, and bonus space. The 0.15-acre lot offers manageable exterior maintenance while still providing useful space for the property. The layout is well-suited for rental operations, and the combination of occupied and vacant units gives the next owner options from day one.