Three bedrooms, two full bathrooms, and a Portsmouth address — $4,300 down and $1,495/month to own it without a bank.

2506 Elm Ave is owner financed at $220,000 in the 23704 zip code in Portsmouth, Virginia. Portsmouth sits at the geographic and strategic center of the Hampton Roads metro — directly connected to Norfolk via the Downtown and Midtown Tunnels, minutes from Naval Station Norfolk, and within easy reach of Chesapeake, Virginia Beach, and the region's full employment base. For buyers working in or around the Southside, this is a location that removes the commute problem.

Two full bathrooms separates this home from a lot of what's available at this price point in owner-financed inventory. Three bedrooms gives a family real flexibility — dedicated sleeping spaces, a home office, or a guest room depending on your situation.

At $4,300 down with $1,495/month, this is an accessible entry into one of Virginia's most active housing markets — without the bank qualification process slowing things down.

Owner financing available — no traditional bank required.