Located in Saginaw, Michigan, this 2-bedroom, 1-bathroom home at 2236 King St offers an accessible path to homeownership for buyers across the state who are ready to build equity without the barriers of traditional bank financing. Priced at $54,900 with just $3,000 down, this property delivers genuine value in a market where affordability is increasingly hard to find. The home spans 806 square feet of well-utilized living space, thoughtfully laid out to maximize comfort for singles, couples, or small families. A partially fenced backyard provides outdoor space that's already partially secured — ideal for pets, kids, or simply enjoying Michigan's warmer months in privacy. The basement adds meaningful bonus space rarely found at this price point, offering additional storage, utility space, or future finishing potential depending on your vision. One of the standout financial advantages of this listing is that the monthly payment of $685 is a true PITI payment — covering principal, interest, taxes, and insurance all in one predictable number. That total breaks down as $650 plus a $35/month third-party loan servicing fee, giving you full clarity on where every dollar goes. That kind of transparency makes budgeting straightforward and eliminates the surprise of separate tax or insurance bills throughout the year. An application is required to move forward with this property. Saginaw sits in the heart of mid-Michigan, with easy access to Flint, Bay City, and the broader I-75 corridor. The city has seen continued investment in its residential neighborhoods, and properties at this price range with owner financing attached represent genuine opportunities for buyers who want a foothold in the Michigan housing market without waiting on bank approval timelines. Whether you're a first-time buyer or returning to homeownership, 2236 King St offers real structure, real ownership, and real terms — backed by a seller willing to work directly with you.