Located in Decatur, Illinois — the heart of central Illinois — 1712 N Church St offers a rare opportunity to secure a spacious, four-bedroom, two-bathroom home with serious upside potential. At nearly 2,000 square feet, this property has the layout and flexibility to convert into a five or six-bedroom home, making it an outstanding option for larger families or investors looking to maximize their space and value in a market where affordability still exists. Decatur continues to attract buyers seeking strong value in central Illinois, with Millikin University nearby and a community that offers steady residential demand. At $92,000 with owner financing — just $2,500 down and $995/month — this home represents meaningful purchasing power for buyers who have been shut out of traditional bank lending. Transparency matters here: the seller has disclosed that there are cut wires and plumbing issues that need attention. The good news — the seller has committed to having both the electrical and plumbing repairs completed once the down payment is received. That means you're walking into a situation where known issues are being addressed upfront, with the terms clearly on the table before you sign anything. With nearly 2,000 square feet and the possibility of expanding to five or six bedrooms, this home has the bones and the square footage to serve a wide range of needs — large families, multigenerational living, or those simply wanting room to grow. Owner financing means no traditional bank loan required, giving buyers with non-traditional credit histories a real path to homeownership in Decatur's accessible real estate market. This is a property worth serious consideration for anyone ready to put down roots in central Illinois without the red tape of conventional financing. ---