Discover a rare income-generating opportunity in the heart of St. Louis with this duplex at 5124 Northland Ave, 63113. Priced at $99,000 with just $2,500 down and $975/month through owner financing, this property offers serious value for investors and house-hackers alike — no traditional bank loan required. The property features two separate 2-bedroom, 1-bathroom units, totaling an impressive 2,500 square feet of living and rental space. Whether you're looking to live in one unit and rent the other to offset your monthly costs, or add a cash-flowing asset to your portfolio, this duplex checks the boxes that matter most: manageable entry cost, flexible financing, and a built-in rental strategy from day one. Located in the 63113 zip code of St. Louis, this area sits in the broader north St. Louis corridor, a region that has seen continued investor interest as buyers look for affordable entry points into the St. Louis Metro real estate market. St. Louis consistently ranks among the most affordable major metros in the Midwest, and duplex opportunities at this price point — with owner financing available — are uncommon. The ability to bypass traditional lending requirements makes this especially compelling for buyers who are self-employed, rebuilding financially, or simply prefer a more direct path to ownership. With two full units under one roof, you're not just buying a home — you're buying a strategy. Live affordably while your tenant helps carry the note, or rent both units and build equity while generating monthly income. Either way, $2,500 gets you in the door on a property with real upside in one of the Midwest's most storied cities. Owner financing available. Flexible terms. No traditional bank loan required. ---