1147 Spruce
San Bernardino, CA, 92411
$490,000
MLS: IG26065259
Beds
4
Baths
2
Sq Ft
1,416
Lot
0.12 ac
Year Built
1960
MLS #
IG26065259
Days on Market
8
Listed
Mar 25, 2026
Description
Great Investment Opportunity!! Duplex with great rent potential on both units. Charming and versatile duplex with excellent potential for rental income or multi-generational living. Each unit offers comfortable living space, practical floor plans, and plenty of natural light. With separate entrances, convenient parking, and a well-kept exterior, this property is both functional and inviting. Ideally located near shopping, schools, restaurants, and easy freeway access, this duplex is a wonderful opportunity for investors and homeowners alike. Long driveway that conveniently leads to covered parking spaces in the back of the property.
Location
San Bernardino, San Bernardino County, CA 92411
Open on Google Maps ↗Listed by: TEX ACOSTA · TEX ACOSTA REALTY
Payment estimate
$3,704
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,000 · Loan: $441,000
- Principal & Interest
- $2,710
- Property tax (1.25%)
- $510
- Homeowners insurance
- $300
- Mortgage insurance
- $184
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this San Bernardino home with as little as 3.5% down using an FHA loan — roughly $17,150 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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