Located on Pennsylvania Avenue in Flint, Michigan, this 2-bedroom, 1-bathroom home offers 960 square feet of functional living space at a price point that makes genuine homeownership accessible — without the barriers of traditional bank financing. Listed at $89,000 with just $3,000 down and $850/month, this property is positioned as one of the more attainable entry points into the Flint market for buyers who are ready to stop renting and start building equity. The home has been recently occupied and all major systems are confirmed operational — electricity, gas, and water are all in working order, giving buyers a solid foundation to move forward with confidence. The layout makes efficient use of the 960 square feet, and the half basement provides additional utility storage or workspace. A fully fenced yard adds privacy and security, making this a great fit for pet owners, families, or anyone who values outdoor space with defined boundaries. A detached garage is on the property but will require either repair or removal — something buyers should factor into their plans and budget. This kind of transparency matters, and it's worth noting that the rest of the home's systems are intact and functional, which represents real value at this price. Flint's east side has seen continued investment and community-driven revitalization efforts in recent years, and properties in this price range with working utilities and fenced lots don't sit on the market forever. For buyers priced out of conventional lending or simply looking for a smarter path to ownership, the owner-financing structure here — with PITI included in the monthly payment — covers principal, interest, taxes, and insurance in that single $850/month figure, making budgeting straightforward from day one. If you're ready to own in Flint with a low down payment and no traditional bank loan required, this Pennsylvania Avenue property deserves a closer look. ---