Affordable owner-financed homeownership on the Illinois side of the St. Louis Metro — and this 2-bedroom, 1-bathroom home at 1922 Harvest Ave in Cahokia, IL puts you right in the middle of it all. At 1,050 square feet, the layout offers a comfortable, manageable footprint that's easy to maintain and personalize over time. Cahokia sits just across the Mississippi River from St. Louis, giving residents convenient access to major employers, shopping corridors, and the broader amenities of one of the Midwest's most historically rich metro areas. The Illinois side of the metro — including communities like Cahokia, Fairview Heights, and Granite City — has seen steady buyer interest from people priced out of comparable Missouri-side properties, making this an increasingly competitive pocket of the market. At a purchase price of $95,000 with just $3,000 down and $875 per month, this property is positioned well below what most traditional lenders would require you to qualify for in today's rate environment. Owner financing means no bank approval process standing between you and the keys — just a straightforward agreement directly with the seller. For buyers building toward homeownership, this is the kind of entry-level opportunity that rarely pencils out this cleanly: a standalone home, manageable monthly payments, and a low barrier to entry. Whether you're planting roots in the St. Louis Metro area for the first time or looking to stop renting and start building equity, 1922 Harvest Ave deserves a serious look. This home is sold as-is. Buyers are encouraged to conduct their own due diligence prior to purchase. ---