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TWO SEPARATE UNITS! Each with its own private entrance, creating the perfect opportunity for multi-generational living, rental income, or owner-occupants seeking added flexibility. Seller is willing to provide a credit toward an interest rate buy-down. The upper-level residence features two bright bedrooms, two updated bathrooms, open living spaces, a spacious yard with a well maintained garden, plus two dedicated off-street parking spaces. The lower-level residence offers two additional bedrooms, a full kitchen and dining area, private entrance, charming garden patio with a relaxing hot tub, and an attached two-car garage. This is an ideal setup for extended family, guests, tenants, or short-term rental opportunities. Centrally located in the heart of San Diego, the property is just minutes from SeaWorld, Mission Bay, Fashion Valley Mall, the University of San Diego, beaches, downtown, and major freeways. It is close proximity to the highly anticipated Riverwalk San Diego redevelopment, bringing new parks, dining, retail, and community amenities to one of the city's fastest-evolving neighborhoods. A rare opportunity to own a flexible property in one of San Diego's most desirable and centrally located communities.