Located at 120 N Crowder St in the heart of Bethany, Illinois, this 2-bedroom, 1-bathroom single-family home offers 854 square feet of living space on an expansive approximately 0.44-acre lot — a rare find at this price point in central Illinois. Listed at $99,000 with just $3,000 down and $1,095/month through owner financing, this home is accessible without a traditional bank loan, making it a compelling opportunity for buyers who are ready to own rather than rent. The home has recently undergone a light rehab, meaning the next owner can move forward without taking on a major renovation project. Fresh exterior paint gives the property strong curb appeal, and the electrical system is functional. The water heater has been noted as recently serviced, and the HVAC system has been evaluated as part of the rehab process. The nearly half-acre lot provides substantial outdoor space — whether you're thinking about gardening, entertaining, or simply having room to breathe in a quiet neighborhood setting. Step outside and you're also close to Crowder Park, which offers playgrounds, ball fields, tennis courts, bike trails, and a variety of outdoor recreational amenities for residents of all ages. Bethany is a small-town community in Moultrie County, known for its tight-knit atmosphere and local character. Families will appreciate that both the elementary school and high school for Okaw Valley Community Unit School District 302 are located right in Bethany, keeping the daily routine close to home. For buyers priced out of larger Illinois markets or simply seeking a quieter pace of life with genuine ownership within reach, Bethany offers real value. Owner financing means no bank approval required — just a $3,000 down payment to get started. ---