Located in East St. Louis, Illinois — part of the greater St. Louis Metro area spanning both sides of the Mississippi River — 740 N 22nd St offers an accessible path to homeownership through owner financing, with just $3,000 down and $926 per month. For buyers who have been locked out of traditional lending, this is the kind of opportunity that's increasingly rare in today's market. The home features 3 bedrooms on the main level, with a finished basement that functions as a spacious 4th bedroom — giving your household flexible living space to grow into. A full bath plus a half bath rounds out the functional layout. At 800 square feet of above-grade living space, this home is compact and efficient, with the bonus lower level adding meaningful square footage and versatility. East St. Louis sits directly across the river from downtown St. Louis, MO, offering proximity to one of the Midwest's most economically active metros while maintaining Illinois-side pricing that remains accessible for first-time buyers and investors alike. The St. Louis Metro continues to draw attention for its affordability relative to other major Midwest cities, and the Illinois side represents some of the most attainable entry points into the market. Owner financing means no bank approval process standing between you and the keys. With a $3,000 down payment and predictable monthly payments, this property offers a clear, structured path to building equity and establishing roots. Whether you're a growing family looking for more bedrooms or a buyer ready to stop renting, 740 N 22nd St delivers square footage, flexibility, and a straightforward route to ownership in the St. Louis Metro region.