Spacious 4-bedroom, 1-bathroom home on Hodiamont Avenue in the heart of north St. Louis — priced at $99,000 with just $3,000 down and $980/month through owner financing. For buyers who've been shut out by traditional lenders, this is the kind of opportunity that rarely lines up this cleanly: a four-bedroom house in a major metro market at a monthly payment that competes with — or beats — what most area renters are paying right now. The 63136 zip code sits in the Jennings and Northland corridor of north St. Louis County, a area with strong blue-collar roots and ongoing community investment. Hodiamont Avenue connects established residential neighborhoods with easy access to major corridors including Natural Bridge Road and Interstate 70, putting downtown St. Louis, Lambert International Airport, and regional employment hubs all within a reasonable commute. Four bedrooms is a meaningful footprint — enough space for growing families, multigenerational living arrangements, or buyers who simply want room to breathe. Whether you're looking to plant roots in the St. Louis Metro area for the first time or transition out of renting into ownership, the math here works in your favor. A $3,000 down payment is one of the lowest entry points available in the current market for a property of this size. Owner financing means no bank approval process, no waiting on loan committees, and no conventional underwriting standing between you and the keys. The seller is handling financing directly, making this an accessible path to homeownership for a wide range of buyers. With four bedrooms and a north St. Louis location at this price point, this listing delivers real value in a market where affordability continues to shrink. Properties like this don't sit long — schedule a walkthrough and see the space for yourself. ---