320 Church Street is an up/down two-family in Poughkeepsie with an asset that changes the math: a separate, multi-level outbuilding out back.

The house offers two 2 bed, 1 bath units, 1,088 sq ft down and 1,063 sq ft up, for 2,151 sq ft total. The upper unit has its own private balcony, a feature renters notice. A brand new front porch gives the property curb appeal from the moment you pull up.

Tenants pay all utilities so your expenses can stay lean.

In addition to the home itself, there's an outbuilding in the back. Multiple levels of space to work, store, or lease. Rent it to a contractor who needs storage, a hobbyist who needs a shop, or someone who needs a place to park, and stack a third rent check on top of two units. Or keep it for yourself as the workshop or storage space you've always wanted.

Buying your first home? Move into one unit, rent the other, lease the garage, and let your tenants help cover your mortgage. Owner-occupant financing on a two-family can mean a lower down payment, and you start building equity and landlord experience from the first month.