$199,640

Seller Financing at 6% (Banks Are at 7%+). Beautifully Renovated 3BR/2BA on Quarter-Acre Corner Lot Near Baylor Scott & White Own for less than rent - seller financing at 6% fixed while bank rates sit above 7%, no bank qualifying. Beautifully renovated 3BR/2BA, 1,288 sqft in the heart of Temple — 1940s character with high-end upgrades throughout: open-concept, single-level living, fresh luxury plank flooring, a fully updated kitchen with gas cooktop, ceiling fans, and a rare primary suite with private bath. Pier-and-beam foundation professionally repaired. Outside: 0.24-acre corner lot, 4-car detached carport, covered front patio, fully fenced backyard, storage shed, and accessibility ramp. Minutes from Baylor Scott & White, Walk Score 73, easy I-35 access. Terms: $199,640 · $25,000 down · $174,640 note at 6%, 30-yr amort, 5-yr balloon (~$1,047/mo P&I, ~$1,164/mo all-in) — about $143/mo less than the same loan at today's 7.24% bank average (~$8,600 saved over the 5-year term).