Special interest rate program with 5.3% (no PMI) and only 5% down, this home offers an incredible opportunity! Amazing two-family property located in the heart of Union City. The property offers excellent flexibility for investors or owner-occupants. The lower level features a spacious duplex with three bedrooms, one bath, plus two additional rooms and a large family room, offering direct access to the backyard and endless potential. The upper level consists of a 4-bedroom, 1-bath rental unit, currently occupied by a long-term tenant, providing immediate and stable income. Ideally located near Central Avenue and Bergenline Avenue, the surrounding area offers rich culture and vibrant shopping districts with restaurants, boutiques, and everyday conveniences to suit every lifestyle. Just a few blocks from major commuting hubs, enjoy quick access to Midtown Manhattan via Route 495 and the Lincoln Tunnel, reaching Port Authority in as little as 15–20 minutes. With easy access to all major highways, this home is a true commuter’s dream!