Located in Belleville, Illinois — one of the most established and sought-after communities on the Illinois side of the St. Louis Metro — this duplex at 112 N 13th St offers a rare opportunity for investors and owner-occupants alike to get into a substantial property with a manageable down payment and owner-financed terms. This is a contractor special, and it's priced and structured accordingly. The property is a true duplex, featuring two separate 1 bed/1 bath units that together total an impressive 2,350 square feet. Water and power are already on, giving you a functional starting point the moment you take ownership. The home will need a new roof and cosmetic updates throughout the interior — but for the right buyer with vision and a little sweat equity, this is exactly the kind of deal that builds long-term wealth. Think about what you're working with here: a two-unit income-producing property in Belleville for just $3,000 down. Live in one unit, rent the other, and let your tenant help cover your $1,200 monthly payment — which already includes taxes and insurance (PITI), so there are no surprise escrow bills down the road. That's a level of financial clarity and flexibility that traditional bank financing rarely offers. Belleville sits just minutes from downtown St. Louis via I-64, with strong local infrastructure, Scott Air Force Base nearby, and a historic downtown district that continues to draw residents and investment. Properties with this footprint and this kind of upside don't come structured this accessibly very often in this market. Owner financing means no traditional bank qualification process — just a straightforward path to ownership on a property with genuine income potential. ---