Owner Financing Opportunity in East Otto New York!

Looking for your next investment or project? This home in East Otto is the perfect opportunity. Ideal for builders, contractors, or anyone ready to put in some work and bring new life to a property.

No Bank Qualifying. Flexible Financing!

Step into this inviting 3-bedroom, 1-bath gem set on a generous ⅓-acre corner lot, perfectly positioned between Spring Valley and Ellicottville.

✨ Features include a bright eat-in kitchen and new doors and windows for improved energy efficiency. Recent updates to the roof, water heater, and furnace add value—but this property isn’t move-in ready. It’s a project for buyers ready to roll up their sleeves and build equity. Located in a peaceful neighborhood just minutes from town. Bring your vision—and a little elbow grease—to unlock this property’s full potential.

📍 Located 10 minutes from Cattaraugus and 45 minutes from Jamestown, this haven offers peaceful living with quick access to city conveniences.

Purchase Price: $129,900

Down Payment: $4,000-$7,500

Monthly Payment: $1,195-$1,395 depending on the amount you can put towards the down payment

Interest Rate: flexible

Duration/Term (Before You Get Your Own Bank Loan): 24 months

After Repair Value: $162,337

Down payment assistance program available.

If you don’t have enough of a down payment, we can help finance it. Depending on the the size of your down payment, we would add an extra $125/mon to $250/mon on top of the monthly payment until the down payment amount is met.

The More You Sweat, The More Equity You Get!

Any repairs you perform that improve the home's value will be deducted from your loan balance (i.e. if you put $2,500 in repairs, your loan balance will be reduced by $2,500 -> once pictures, contractor invoices and receipts are submitted).

Recommended Repairs (you decide when, what, and how much to repair):

Update Kitchen (Optional)

Interior & Exterior Paint

Replace Barn Roof (or Demo Barn)

Patch or Replace Flooring (As Needed)

Repair Damaged Sheet Rock Ceiling In One Room

Service Air Conditioner/Heater

Schools: Cattaraugus Little Valley Elementary, Middle, & High School