Located in the 63147 zip code on St. Louis's north side, 1027 Garth Ave offers a rare opportunity to step into homeownership without the obstacles of traditional bank financing. This 3-bedroom, 2-bathroom home is priced at $89,000 with a down payment of just $2,500 and monthly payments of $1,100 — making it one of the more accessible paths to owning real estate in the St. Louis Metro market right now. The north St. Louis corridor has long been an area of community investment and neighborhood resilience. For buyers who've been priced out of tighter markets or turned away by conventional lenders, this part of the city continues to offer genuine value that's hard to find elsewhere in the metro. With St. Louis overall seeing consistent demand for affordable single-family homes, a 3-bed, 2-bath property at this price point represents solid footing for a first-time buyer or an investor looking to build long-term equity. Three bedrooms provide flexibility — whether you need dedicated living space for a growing family, room for a home office, or space to accommodate extended household members. Two full bathrooms add everyday practicality that one-bath homes in this price range simply can't offer. Owner financing means the path to closing is more straightforward than going through a bank. With only $2,500 down, qualified buyers can transition from renting to owning without years of savings required. Monthly payments at $1,100 are competitive with what many renters are paying in the St. Louis area today, with the key difference being that every payment builds toward ownership rather than someone else's bottom line. If you've been searching for an affordable, owner-financed home in the St. Louis Metro area, 1027 Garth Ave deserves a serious look. ---