Located in the 63115 zip code on St. Louis's north side, 4824 Margaretta Ave offers an accessible entry point into homeownership through owner financing — with a monthly payment that actually beats what tenants were previously paying in rent. This 2-bedroom, 1-bathroom home includes an additional bonus room that was previously used as a third bedroom, giving buyers flexible living space that goes beyond what the official bedroom count suggests. One of the standout features of this listing is the all-in payment structure: the $800/month includes taxes and insurance (PITI), meaning what you see is what you budget. No surprises at tax time, no separate insurance bill to manage — just one straightforward monthly payment. To put that in perspective, three roommates previously rented this property at $900/month. At $800/month with ownership building equity, this is a compelling alternative to renting in the St. Louis market. Getting started requires just $2,000 down, making this one of the lower barriers to homeownership you'll find in the metro area. The $69,000 purchase price reflects the north St. Louis market, where buyers willing to invest in a neighborhood with deep roots and ongoing community presence can find real value that larger suburbs simply don't offer at this price point. The property is also available for outright cash purchase for buyers in a position to close without financing. Whether you're a first-time buyer, a household looking to stop renting, or someone exploring alternatives to traditional bank loans, this home offers a straightforward path to ownership with terms that work in the real world — not just on paper. ---