Live in one and let the other help pay the mortgage. Welcome to a rare opportunity in the heart of Downtown Galt, directly across from the Hamilton Family Theatre and just steps to the vibrant Gaslight District, restaurants, cafés, shops, and the Grand River.This updated stone duplex offers two self-contained residences under one ownership, an ideal setup for buyers looking to occupy one unit while generating income from the other. Unit 18 has a 12 month signed lease for 2300.00 per month plus utiltites. Unit 16 is for lease for $2000.00 per month. The property presents a compelling mortgage-helper opportunity. 16 St. Andrews offers a well-appointed 1-bedroom 1-bathroom residence, while 18 St. Andrews features a spacious 2-bedroom 1-bathroom layout, providing flexibility for owner occupancy with built-in income potential.Both homes feature private fully fenced backyards, separate rear entrances, and in-suite laundry. Recent improvements include basement re-enforcement (2024 & 2025) individual central air units (2022), updated wiring, electrical panels and plumbing, newer windows, and exterior doors. Separate hydro and water meters add convenience for future rental management. Zoned C1RM1, the property allows residential and mixed-use possibilities and supports short-term rental opportunities, making it well suited for buyers seeking additional income flexibility. With parking for three vehicles and an unbeatable walkable location surrounded by theatres, cafés, gyms, libraries, and cultural amenities, this is a unique chance to own a character property in one of Cambridge's most vibrant downtown neighbourhoods. A home with lifestyle, flexibility, and built-in income potential.