The current rents for this 4-unit oversized (2700 sf) twin in the Spruce Hill area of University City, West Philadelphia, don't tell the true story of its value! All units are under-rented. But rental income, either at the existing $3890/month or once increased, will make a big dent in the mortgage payment for an owner-occupant. 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 rear fenced yard. 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.)