1656 N College St in Decatur, IL is one of the more versatile properties available in the market right now — a 3-bedroom, 2-bathroom home with 1,728 square feet, hardwood floors, a dry basement, and two full kitchens. That second kitchen opens the door to a genuine duplex conversion, with a natural split into a 2-bedroom/1-bathroom unit and a 1-bedroom/1-bathroom unit. Live in one side and offset your payment with the other, or rent both units and turn this into a cash-flowing investment property from day one.

All systems are working and power is on. The home includes a washer, furnace, water heater, and A/C window unit — everything needed to be functional immediately. A large front porch adds curb appeal and outdoor living space that sets this property apart from comparable listings in Decatur.

Whether you're buying this as a primary residence, a house hack, or a straight investment, 1,728 square feet with two kitchens and two full bathrooms at $3,000 down and $975/month is an opportunity that doesn't come around often. Available through owner financing at $96,000 — flexible terms, no traditional bank loan required.