No HOA. Spacious 10,582 sqft waterfront property! Currently rented for $3,271/month (Section 8: $3,096 government + $175 tenant), and the rent is on time. Rent increases to $3,718/month starting January 1, 2025, and may rise to $3,986/month (renewal date: Dec 31, 2025). Features a large master bedroom with living area and water view. Living room and 3 of 6 bedrooms also overlook the water. Upgrades include AC (2018) and electric panel (2019). Exclusive Incentive for primary and investors: save 2 points on your rate with my lender (e.g., 6.5% drops to 4.5%). Primary residents enjoy free appraisal and fully covered mortgage insurance—no 1st-time buyer requirement! Current management company available for seamless transition. Please do not disturb tenant or knock on the door!