Own a home that helps pay for itself. This large Kona residence offers 3 bedrooms and 2 baths on each level, each with its own private entrance, giving you two full-size living spaces under one roof. Live on one floor and let a tenant cover a meaningful share of your living expenses, or rent both and build your portfolio. The upstairs living area captures a beautiful ocean view, including sweeping views of Kailua Bay where you can watch cruise ships come and go. It's the kind of view you'll want to enjoy from your lanai every day. The property also has fruit-bearing trees, including two longan trees and two citrus trees, adding a touch of tropical charm to the outdoor space. Zoned RD-3.75 Double-Family Residential, the property is set up for exactly this kind of flexible use. County sewer connection means no septic costs or maintenance, and with no HOA and no CC&Rs, you keep control over how you use and enjoy your property. In a market where housing costs keep climbing, this is a rare chance to put your housing dollars to work. Whether you're an investor seeking steady rental income or a smart homeowner looking to offset your mortgage, this home delivers space, flexibility, and income potential.