A cozy cottage in Decatur, Illinois — $1,500 down, $825/month, and $150 in closing costs. That last number is worth reading again.

1112 E Garfield Ave is a 2-bedroom, 1-bath home in the 62526 zip code, owner financed at $76,712. At 694 square feet, this is a compact, efficient layout with more personality than the square footage suggests. The kitchen is notably spacious for a home this size and includes a built-in corner appliance garage — a practical feature that keeps countertops clear and the space feeling organized. A front porch and a partially fenced, generously sized yard round out the exterior.

This is a cosmetic fixer and it's sold as-is. A full cleanout is required and will be at the buyer's expense — that's disclosed upfront. The previous occupant left behind some gently used flooring for the next owner to use, along with kitchen wares, a table and chairs, and bookcases. For a buyer with DIY capability, there's a head start here in both materials and furnishings.

Decatur sits at the heart of central Illinois, anchored by Millikin University, Decatur Memorial Hospital, and a stable base of local employers. The 62526 zip is on the east side of the city with convenient access to major corridors and city amenities.

Proof of income is required to qualify. Closing costs are $150.

Owner financing available — no traditional bank required.