Tucked into Montgomery, Alabama's 36104 zip code, this 2-bedroom, 1-bathroom home offers 1,140 square feet of living space at a price point that's hard to ignore in today's market. Listed at $90,000 with just $1,500 down and $900 per month, this property opens the door to homeownership for buyers who are ready to stop renting and start building equity on their own terms — without going through a traditional bank or lender.

Montgomery is Alabama's state capital and one of the most historically significant cities in the American South. The 36104 zip code sits in the heart of the city, close to downtown Montgomery, government offices, local employers, and major corridors that connect residents to schools, shopping, dining, and healthcare. For buyers who want to be centrally located in the capital city without paying premium prices, this part of Montgomery consistently delivers value that larger metros simply can't match.

At 1,140 square feet, the layout is practical and manageable — ideal for a first-time buyer, a couple, or anyone looking to right-size their living situation without sacrificing comfort. Two bedrooms and a full bath give you the essentials in a footprint that's easy to maintain and affordable to operate.

Owner financing means the path to ownership is more direct. No waiting on bank approvals, no drawn-out underwriting processes — just a straightforward agreement between buyer and seller with terms designed to get you into a home. With a $4,000 down payment and $1,000 monthly payments, the numbers are clear and accessible.

If you've been searching for an affordable, owner-financed home in Montgomery, AL, this listing deserves a close look.

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