Smart house-hack or income-producing investment with built-in flexibility! 261 S 13th Street in Richmond offers two houses on one lot plus a bonus non-conforming unit. The front house (Unit 263) features 2 beds and 1 bath, the rear upper unit (Unit 261) being used as 2 beds and 1 bath, and the lower converted unit adds another 2 beds and 1 bath. Each has its own entry for privacy and rental stability. Live in one and offset your mortgage with income from the others, set up multi-generational living, or expand your rental portfolio with cash flow potential from day one. Updated kitchens, laminate flooring, and dual-pane windows make each unit functional and move-in ready, while the layout allows easy parking and shared outdoor space. Conveniently located near Richmond BART, Amtrak, I-580, I-80, and the Richmond Ferry Terminal, with quick access to Berkeley, Oakland, San Francisco, and Marin. Enjoy weekends on the Bay Trail, local cafés, and shoreline parks. A rare find combining value, versatility, and strong investment upside in the East Bay.