Quote from @Jaycee Greene: Assuming you pay asking price, I'd estimate the down payment for something like that using a hard money loan (HML) would be around 40% of the purchase price and your monthly payment would be $2,600 with an interest rate in the low 7% range (probably need a 700+ credit score to get that).

I do however think as things clean up systematically, cashflow will improve and the benefits of low capX exposure in near term and appreciation will work out.

-Ray (see above) is the man and can get you hooked up with great rates and low-fees!

Meanwhile, the sellers who are most likely to offer creative financing are normally the owners of  real estate that have issues.....condition.....low barrier/over supply market......or perhaps pricing issue, and one of these factors is why its not marketable in a arms length transaction and why creative financing would be accepted.

Many realtors are not going to work in low value asset areas as those are generally rougher neighborhoods that are probably deemed to unsafe especially for a single women agent to be out there.

A a low-temp sensor be added for you to be called if the temp falls below 55º ?

if they are a great PM 20% is totally fair. not too high and not too low

Is there a way to have No money Down or Low money down? 

It all depends on your strategy, Phoenix is primarily a single family state so small-multi family is competitive with low supply.

If your house is old, value is low.