Located in Decatur, IL, this full two-story home at 1665 N Union St offers classic architectural charm and serious square footage potential at a price point that's hard to find anywhere in central Illinois. With a $2,000 down payment and owner financing in place, this is an accessible path to homeownership for buyers who are ready to build equity on their own terms — no traditional bank approval required. The layout is thoughtfully designed for everyday living. The main level features a large living room anchored by a fireplace, a formal dining room perfect for gatherings, and a cozy front porch that adds undeniable curb appeal. All three bedrooms and the full bath are positioned on the second floor, giving you a natural separation between living and sleeping spaces that many buyers actively seek out. Hardwood floors run throughout, adding warmth and character that newer construction rarely delivers. Outside, a partially fenced yard offers privacy and room to make it your own. The unfinished attic and basement represent genuine upside — additional square footage waiting to be unlocked as a home office, recreation room, storage area, or whatever suits your lifestyle. The home runs on 100-amp service with circuit breakers, a solid foundation for modern electrical needs. Yes, this property needs some cosmetic TLC — and that's reflected honestly in the price. For buyers willing to put in a little work, the reward is a classic Decatur home with character, space, and long-term value in a market where affordability still exists. The monthly payment of $873 includes PITI — principal, interest, taxes, and insurance are all wrapped into one straightforward payment. Decatur's central Illinois location, access to local employment, and steady community roots make this a smart buy for the right buyer ready to make it their own. ---