Located in Decatur, Illinois, 138 S 18th St is a four-bedroom, one-and-a-half-bath home with a flexible layout that gives buyers real room to spread out. Offered at $99,000 with just $3,000 down and $1,042 per month through owner financing — no traditional bank loan required — this property presents a compelling entry point into homeownership in one of central Illinois's most established residential markets. The home offers a versatile floor plan with two bedrooms upstairs and two possible bedrooms on the lower level, making it adaptable for families, multigenerational living, or buyers who simply want extra space. The main level features a comfortable living room, while the lower level includes a separate family room — a distinct bonus that creates room for relaxing, entertaining, or recreational use beyond the everyday living areas. A one-car garage adds practical convenience, and the small, easy-to-maintain yard keeps outdoor upkeep manageable. This home carries a meaningful history. It served as a cherished family residence for over 30 years and also functioned as a rental property along the way — a track record that speaks to its enduring appeal and the care it received over time. Decatur's residential neighborhoods offer affordable living with proximity to local employers, Millikin University, parks, and the everyday amenities that make central Illinois a practical and community-oriented place to call home. For buyers who've been priced out of the traditional mortgage market or simply prefer a more direct path to ownership, this owner-financed opportunity checks a lot of boxes. Applicants will need to provide proof of income demonstrating at least three times the monthly payment, accepted in the form of a pay stub, check, or bank account statement. No evictions. Please note: room sizes may not be accurate. This home is sold as-is. Schedule your visit and explore what ownership on your own terms can look like at 138 S 18th St.