A Rare Opportunity in 11th Street Heights - Assumable 2.25% VA Loan for ALL QUALIFIED BUYERS, EVEN THOSE WITHOUT VA ELIGIBILITY + 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 TO ALL QUALIFIED BUYERS, even those that are not Veterans! 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 potential-whether 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 chef's 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 utilities-perfect 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 city's best local spots. Don't miss this rare blend of prime location, modern finishes, and unbeatable financial opportunity. (Also listed as a Multi-Family Property MLS DCDC2188284) **Attend the Sunday March 9 2-4pm Open House to learn more from the Listing Agent**