Fully financed duplex in investor-friendly Corning location. 100% owner financing available for qualified buyers, or bring an all-cash offer (or any mix of cash and financing). Seller-finance terms for full-price offers: 12-year, fully amortizing note at 5% interest, secured by the property. This 2-unit property in Corning’s South Hill neighborhood features completely separate utilities for each apartment and convenient access to Market Street and downtown amenities. Upstairs unit (FL2) is a long-term tenant who pays all their own utilities; downstairs unit (FL1) was just renovated and is ready for a new tenant, giving buyers both stable income and immediate lease-up potential. Each apartment offers 2 bedrooms, living room, kitchen, bath, and private outdoor space. FL1 entry is via exterior steps from the sidewalk to a private front patio, with a roomy foyer, 2 bedrooms, living room, large eat-in kitchen, and fully renovated bath. FL2 entry is up a ramp from the sidewalk to a private covered front porch, with 2 bedrooms, living room, kitchen, and bath. The lot runs through to Brown Street, where tenants can park, and zoning is R-2 (moderate-density residential). Basement has walk-out, on-grade access; buyers should consult an architect or engineer about potential conversion to additional living space for FL1. There is also a sub-basement level with no current access, offering future value-add possibilities for the right investor.