AFFORDABLE LIVING: The seller will carry a second mortgage at 5% for qualified buyers. (IE) If you’re approved for a $550,000 mortgage (about $3,000/month), the seller can cover the gap—for example, a $70,000 second mortgage at roughly $300–$400/month. Your total payment would be about $3,400/month, and with rental income from a fully furnished suite of $1,600–$2,000/month, your net cost drops to around $1,400–$1,800/month—potentially cheaper than renting while building equity. Quick possession available for this charming 2-storey home in a unique downtown location near the hospital and overlooking the Farmer’s Market. Main floor offers a 1-bedroom layout with an updated kitchen, heated tile floors, a skylight, and original wood finishes. Upstairs features a separate 1-bedroom suite with private entrance and great views. The lower level includes an extra bedroom, 3-piece bath, and private entry—ideal for guests or more potential rental income. Upgrades include a high-efficiency furnace, newer roof, new hot water tank, and dual heat pumps for independent climate control. Enjoy two decks with river, mountain, and city views, plus dedicated parking and permits from COK. Walking distance to shops, dining, and amenities.