This 4-bedroom, 3-bathroom home is an excellent option for a first-time home buyer. With 1,686 sq ft of living space on a 7,644 sq ft lot, it offers plenty of room both inside and out. The layout is practical and inviting, with comfortable living areas, a spacious kitchen, and four full bedrooms that allow for flexibility whether you need space for family, guests, or a home office. This property qualifies for a DSCR loan with a 1:1 ratio at 20% down! Located in a well-established North Stockton neighborhood, the home is just minutes from the University of the Pacific, shopping, dining, and local parks. The area is known for its convenience and community feel, making it a great place to live or invest. For investors, this property has already proven its value, producing 34,800 in rental income last year as fully leased student housing. The large backyard and detached garage also provide room for future growth, with potential to add an ADU or complete a garage conversion to increase value and rental income. 1217 W Churchill offers the right mix of comfort, location, and opportunity. Whether you are looking for a home to settle into or a property with income potential, it stands out as a smart choice with long-term upside.