Discover a rare opportunity in the heart of San Jose. Seller is offering a strategic incentive to potentially make this home payment lower than comparable homes! Ask about our 'Payment Reduction' program where the seller buys down your rate permanently & significantly lowers your monthly payment. This 1,632 sq ft residential/commercial property offers a unique combination of modern comfort and exceptional versatility. The main home features three spacious bedrooms and three full bathrooms, anchored by a chef's kitchen designed for high-end cooking. Culinary enthusiasts will appreciate the granite countertops, commercial-grade range with a wall-mounted pot filler, and sleek stainless steel appliances. A fully finished basement provides its own private entrance, kitchen, and bathroom, perfect for passive income, guests, or extended family. Additionally, the rear of the property includes a converted garage with FOUR bonus rooms totaling over 400 sq ft, plus a secondary finished area of approximately 350 sq ft. This larger flex space includes its own sink, cabinetry, and bathroom. With central AC, an EV Level 2 hookup, and a location next to 101/280/680, near SJSU, and future BART station. Buyer is advised to conduct their own due diligence to their satisfaction. Sold as-is.