The current rents for this 4-unit oversized (2790 sf) twin in the Spruce Hill area of University City, West Philadelphia, don't tell the true story of its value! The two 1-BR and one studio apartments are under-rented; and currently on month to month leases. But rental income, either at the existing $1800/month or once increased, will make a big dent in the mortgage payment for an owner-occupant who lives in the house-sized bilevel 2-BR, 2 full bath "apartment" consisting of the entire first floor plus most of the second. This large unit, now vacant, begins with a separate enclosed front porch. On the first floor, there's a spacious front living room followed by a 2nd living room or study, a full dining room, full bath, and galley kitchen. Out back, there's direct access to the deck and rear fenced yard with a plum tree. Back inside, a separate rear staircase leads up to the 2 BRs and second full bath which complete the apartment, which also has basement access. A new owner will want to re-do the kitchen, for sure, and make some other upgrades, but with all that space, it will be easy to create something really nice! The 45th & Osage location is within the catchment area* for the popular K-8 Penn Alexander grade school. (*Catchment area location isn't a guarantee of admission for every applicant, but all kindergarten applicants have been admitted for the last several years.) This property is also just up the street from the route 34 trolley line at Baltimore Ave., 15 minutes to center city, stopping at Penn, Drexel & 30th St. Station along the way. And it's close to the shops & restaurants on Baltimore Ave. and to Clark Park, where much of the neighborhood's activity for youngsters & adults takes place. (Farmer's market, youth soccer, dogs in "the bowl," chess games, Shakespeare in the Park - sometimes even the Philadelphia Orchestra! Clark Park also has one of only 2 Charles Dickens statues in the world, and the Friends of Clark Park celebrate his birthday every February.)