Exceptional investment and owner-occupant opportunity in the highly desirable Arcadia Terrace neighborhood! Situated on a quiet, tree-lined street, this meticulously maintained 2-flat with a finished garden unit offers the perfect combination of strong rental income, modern updates, and comfortable owner living. Just steps from vibrant Lincoln Avenue, residents enjoy easy access to popular restaurants, cafes, shopping, and CTA transportation. This oversized building features three spacious units, making it an ideal income-producing property. The two upper units each offer 3 bedrooms, 1 full bath, and 1 half bath, along with large living rooms, separate dining rooms, and beautifully renovated kitchens, featuring stainless steel appliances and contemporary cabinetry, new modern bathrooms, hardwood flooring throughout, newer windows. The open-concept design seamlessly connects the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. Soaring 9-foot ceilings, abundant natural sunlight, energy-efficient LED recessed lighting, and modern ceiling fans enhance the bright and airy feel throughout. Outside the unit is the enclosed brick rear porches that provide valuable additional living space and year-round enjoyment. The property is fully secured with decorative iron fencing surrounding both the front and rear yards, while automatic motion-sensor lighting illuminates the exterior, stairways, hallways, and common areas from dusk to dawn. The fully insulated garden unit is a cheerful and spacious 3-bedroom, 1-bath residence featuring an open layout, generous natural light, and recessed lighting throughout. Adjacent to the common area are two sets of washers and dryers-one reserved for the owner and one coin-operated for tenants-creating an additional source of passive income. Outside, enjoy a private, gated backyard designed for relaxation and entertaining, with dedicated areas for gardening, outdoor dining, and weekend gatherings with family and friends. A solid brick 2-car garage provides additional convenience and potential rental income. Turnkey and move-in ready, this exceptional multifamily property offers multiple income streams, strong tenant appeal, low-maintenance updates, and the opportunity for an owner to live comfortably while rental income helps balance expenses. A rare opportunity to own a high-performing investment property in one of Chicago's most sought-after North Side neighborhoods.