Tucked into a quiet, established neighborhood just minutes from Millikin University, this 2-bedroom, 1-bathroom home at 1117 W Packard St offers one of the more compelling entry points into Decatur's owner-financed market. At 1,066 square feet, the layout is efficient and practical — the kind of footprint that's easy to maintain, heat, and make your own without the overhead of a larger home. The property was recently occupied, then professionally vacated and cleaned out, leaving it primed for the next owner to put their personal stamp on it. New flooring in the living area and bedrooms is the primary cosmetic task ahead — a relatively straightforward upgrade that can dramatically transform the feel of the entire home. If you're someone who wants to build equity through simple improvements rather than inherit someone else's renovation choices, this is an ideal setup. Out back, you'll find a detached one-car garage plus additional driveway space — a combination that's genuinely useful in central Illinois winters and adds practical value year-round. Below the main level, an unfinished basement gives you serious flexibility: use it purely for storage now, or invest in a future finish-out to add usable square footage down the line. Decatur's west side neighborhoods near Millikin University tend to attract a stable mix of long-term residents, university-connected households, and value-minded buyers who recognize the price-to-space ratio this part of town consistently offers. With owner financing at just $2,500 down and $895 per month — no traditional bank loan required — this property is accessible in a way most conventional listings simply aren't. Whether you're a first-time buyer, relocating to the Decatur area, or looking to stop renting and start building equity, 1117 W Packard is a property worth taking seriously. ---