Nestled in the heart of Bernal Heights, this timeless beauty, built in 1906, exudes charm and character at every turn. Lovingly cared for by the same family for generations, this three-story residence is now primed for a new chapter, awaiting owners to guide her into the 21st Century with style and grace. Spanning three floors, the property comprises two legal 2BR/1BA units, each approximately 1,000 sq/ft, offering comfortable living spaces bathed in natural light. The vacant top-floor owner's unit is a sanctuary boasting towering exposed beam ceilings, hardwood floors, and breathtaking downtown City views that mesmerize both day and night. Savor your morning coffee as the sun rises over the City skyline from the dining room, and retire to the soothing glow of Twin Peaks' sunset vistas from the bedroom. Below, a long-term quality tenant occupies the lower unit, providing instant cash flow of $3,175.49 per month, while the unwarranted 1BR/1BA space downstairs presents an opportunity for renovation and customization to generate additional income or serve as bonus living space. This property offers the flexibility to become a high-end income-producing asset, a multi-generational haven, or a classic retreat in one of the City's most sought-after neighborhoods!