Rare owner-financed duplex opportunity in Saginaw, Michigan — two units, one smart investment. This two-parcel package at 525 & 521 Owen Street combines a total of 3 bedrooms, 2 bathrooms, and 1,642 square feet of living space into a single acquisition that makes sense whether you're an owner-occupant looking to offset your mortgage or an investor expanding a Michigan portfolio. Saginaw sits in the heart of mid-Michigan, roughly equidistant between Detroit, Flint, and Lansing, giving it strong regional connectivity and a steady demand for affordable housing. The city has long been a focal point for working-class families and renters alike, and properties offering flexible purchase terms here tend to generate serious interest — particularly when traditional bank financing feels out of reach for buyers who are self-employed, rebuilding credit, or simply tired of the conventional lending process. At $130,000 with just $3,000 down and $1,300 per month, this two-parcel package is priced to make the numbers work. With two addresses on the deed, a buyer living in one unit while collecting rent from the other has a clear path to significantly reducing their effective monthly housing cost — a strategy that's especially relevant in a market like Saginaw where rental demand remains consistent. This property is sold as-is, and buyers are encouraged to conduct their own due diligence, inspections, and walkthroughs prior to purchase. No traditional bank loan, lender approval, or lengthy closing process is required — the seller handles the financing directly, keeping the path to ownership straightforward and accessible. The seller requires gross income of at least 3 times the monthly payment to qualify. If you've been searching for an affordable multi-unit property in Michigan with owner financing and a low down payment, 525 & 521 Owen Street deserves a serious look.