Own a home in St. Louis for $3,000 down — no bank, no mortgage approval, no waiting.

10353 Duke Dr is a 3-bedroom, 1-bath home in the 63136 zip code, owner financed at $89,000 with payments of $950/month. This is a project property priced to reflect it. The furnace is functional, the AC line set is already run (just needs a condenser), and because a tenant recently vacated, no building permit is required — you're dealing with cosmetics, not code.

What needs work: at least one room of carpet, general paint throughout, and an older roof with one occasional leak in the laundry room that will need to be addressed over time. There's also a downed tree in the backyard — removal bid already in at $250.

The upside: comparable rentals in this area run $1,200–$1,400/month. Whether you're moving in and building equity or bringing it to rent-ready, the numbers support the investment.

Owner financing available — no traditional bank required.