1718 E Cantrell St in Decatur, IL is a 3-bedroom, 2-bathroom property with 900 square feet on the main level and a fully equipped basement that functions as a second living unit — complete with a living area, a bedroom, a full bathroom, a kitchen, and its own private entrance. Two bedrooms and one bathroom on the main floor, with a fully self-contained lower level that can serve as additional living space, an in-law suite, or a rental unit to offset the monthly payment.

The property is in good condition throughout and ready for occupancy. For buyers looking to maximize what their down payment can do, the dual-living setup here creates options that a standard single-family home simply can't match — live on the main level and rent the basement, or use the entire property as a multi-generational household.

Available through owner financing at $3,000 down and $1,000/month, priced at $90,000 in the Decatur market. Seller requires proof of income at 3x the monthly payment and photo ID verification. Owner financing available — flexible terms, no traditional bank loan required.