Located on a quiet residential street in Flint, Michigan, 3909 Seneca St is a solidly built 3-bedroom, 2-bathroom home offering 1,351 square feet of main-level living space — and a massive basement that brings the total footprint to 2,235 square feet. With owner financing available at just $3,000 down and $896/month (which includes property taxes and insurance), this property delivers exceptional value for buyers ready to stop renting and start building equity in one of Michigan's most actively revitalized markets. Step inside and you'll immediately notice the charming solid oak hardwood floors that run throughout the main living areas — a feature that speaks to the quality of the original construction and adds warmth and character that newer builds simply can't replicate. The home has undergone significant renovations, including all-new PEX plumbing throughout, a brand-new electrical panel with updated wiring and breakers installed by a master electrician (city inspected and approved), a new water riser, water meter, and gas meter (also city inspected, with no gas leaks detected on pressurization testing), plus new faucets and a new toilet. Water and electricity utilities are currently active and on. The large basement was previously fully finished and features a spacious living area. A second bathroom is partially in place — water supply lines, drain lines, and a toilet flange are already installed — making it straightforward for a buyer to complete the finish work and unlock significant added value. Outside, you'll find a solid concrete driveway and an oversized 2-car garage, a rare and practical bonus in this price range. The street is quiet and residential, with neighboring homes appearing occupied and well-maintained. One item to disclose transparently: a previous tenant had reported a plumbing issue that resulted in water backing up into the basement. The basement has since been cleaned and fully dried by a handyman, and no new leaks have been reported. The plumbing work completed as part of the renovation addresses the root infrastructure. Flint's Genesee County market continues to attract buyers looking for affordable homeownership with real upside potential. At $96,000 with flexible owner-financing terms and an all-in monthly payment that covers taxes and insurance, this home is positioned as one of the stronger opportunities available in the area right now. ---