No HOA! Turnkey 3-unit income property in the heart of the Poconos, just steps from Tobyhanna Lake. Includes a 3BR/1BA ranch plus a separate 2BR/1BA cottage and an efficiency--ideal setup for maximizing short-term rental revenue with multiple streams of income. Located in Coolbaugh Township with no HOA restrictions, this property is surrounded by state gamelands and offers strong year-round rental demand driven by lake access and outdoor recreation. Rare combination of location, flexibility, and STR potential. Perfect for investors looking to scale cash flow or operate a high-performing Airbnb portfolio.