A Rare Opportunity in 11th Street Heights Assumable 2.25% VA Loan ALL QUALIFIED BUYERS - even those without VA Eligibility - plus Legal Rental Unit! Welcome to 1340 Otis St NW, a thoughtfully renovated four-level duplex nestled in the 11th Street Heights neighborhood. This tree-lined street offers the perfect blend of residential charm and urban convenience, just a short stroll to 14th Street, two Metros, and some of the best dining and shopping in the city. What also sets this home apart is the assumable 2.25% VA loan, a game-changing opportunity ***AVAILABLE EVEN FOR BUYERS WITHOUT VA ELIGIBILITY!*** With an ultra-low monthly payment of $4,818.43 (including taxes and insurance), this is a chance to secure exceptional financing while investing in a home that pays dividends. The lower-level two-bedroom unit, with a separate certificate of occupancy, offers immediate rental income potentialwhether as a long-term lease or an Airbnb rental, this space is primed to offset your mortgage and maximize your investment. The main home features an expansive chefs kitchen with marble counters, a 6-burner Thermador gas range, and oversized island with built-in seating. The multiple airy living and dining areas include a fireplace, bay window, and custom built-ins, while a half bath completes the main level. Upstairs, the primary suite is a true retreat, offering a sitting room/nursery or office space (separated by pocket doors), a walk-in closet with an Elfa storage system, and a spa-like bath with dual vanities and marble shower. Two additional bedrooms, a beautifully finished hall bath with deep soaking tub, and a convenient laundry closet round out this level. A spiral staircase leads to an incredible loft space on the 4th level, ideal for a family room or media room. Vaulted ceilings, skylights, a wet bar with a wine fridge, and a 275 square foot Trex rooftop deck make this an unbeatable space for relaxing or hosting gatherings. A newly installed water line makes rooftop gardening a breeze. The fully separate lower-level apartment boasts front and rear entrances, two bedrooms, a full kitchen with granite counters, and a luxurious bathroom. This space is complete with its own W/D and independent utilitiesperfect for tenants, in-laws, or guests. Additional features include: Full renovation in 2016 New roof (2019) EV charging off the back deck Roll-up garage door with keypad & remote access With a 92 Walk Score that makes daily errands a breeze, this home places you moments from 14th Street, Mount Pleasant, Rock Creek Park, and some of the citys best local spots. Dont miss this rare blend of prime location, modern finishes, and unbeatable financial opportunity. Cross listed as Residential property MLS DCDC2183852. **Come by the open house Sun Mar 9 2-4pm to learn more from the Listing Agent**