Investors and house hackers, this one is worth a close look. This two-unit duplex at 1975 E North St in Decatur, IL offers a rare opportunity to own income-producing property through owner financing — no traditional bank loan required, and only $3,000 down to get started. The property features two fully separate 1-bedroom, 1-bathroom units — a ground-floor unit at approximately 658 sq ft and an upper unit at approximately 600 sq ft — each on their own meter and each with its own electrical panel. That separation matters: it simplifies billing, simplifies management, and keeps tenants accountable for their own utilities. Recent upgrades include a new large water heater, updated plumbing, a furnace in good condition, and a newer roof — meaning the big-ticket items have already been addressed. The location adds to the appeal. Situated just minutes from Decatur Lake and Nelson Park, this is a neighborhood with genuine quality-of-life draw — waterfront recreation, green space, and community amenities within easy reach. For renters and buyers alike, that kind of proximity matters. Now let's talk numbers. Comps in the area are running $1,400–$1,600 per month for similar duplexes. The identical duplex next door is currently renting for $1,500 total — $750 per unit. At a $1,200/month owner-financed payment on a $119,000 purchase, a savvy buyer could live in one unit and rent the other, significantly offsetting monthly costs — or rent both units and build equity while generating cash flow from day one. In a central Illinois market where turnkey income properties don't sit long, this duplex checks the boxes that matter: updated systems, strong rental comps, a desirable location, and an accessible path to ownership. ---