Located in East St. Louis, Illinois — just across the river from downtown St. Louis, Missouri — 1127 N 45th St presents an affordable path to homeownership in one of the most strategically positioned communities in the St. Louis Metro area. With owner financing available, a $2,500 down payment, and $900 per month, this 2-bedroom, 1-bathroom home offers buyers a realistic, bank-free route to building equity in a region that continues to attract attention for its proximity to major employment, transit corridors, and the greater St. Louis economic hub. One of the property's standout features is its large basement — a genuine asset in this price range that opens the door to additional storage, workspace, a hobby area, or long-term expansion possibilities. Basement square footage like this is hard to find at this price point and adds real functional value to an already affordable home. Buyers should know that this property was recently vacant, which is something worth factoring into your plans. A home that has sat empty may need some attention, updating, or cosmetic work to get it where you want it. That said, for the right buyer — someone handy, patient, or simply looking for a home they can make their own — this is precisely the kind of opportunity where sweat equity pays off. At $80,000 with low-barrier owner financing, the entry cost is minimal compared to what it takes to buy in much of the St. Louis Metro. The monthly payment of $900 covers principal, interest, taxes, and insurance (PITI), so there are no surprise add-ons layered on top of your base payment — what you see is what you pay each month. East St. Louis sits within reach of St. Louis proper via major bridges and transit routes, offering buyers access to the broader metro's jobs, services, and culture while maintaining some of the most accessible price points in the region. If you're looking for a foothold in the St. Louis Metro without the burden of traditional bank financing, this property deserves a serious look.