I signed up just to respond to you because I live in Phoenix and there is no affordable housing here in a desirable neighborhood. There are no single family homes under 200K in Phoenix. A decent started sized home will cost you almost 300K and good luck finding one. That example you gave is a home that is in an area you wouldn't want to send your kids to the schools, walk around at night, and crime has been rampant in Maryvale since the 1990s and has been getting worse. There is a reason its priced like that. On a side note the home's yard is very small and is near Desert SkyMall which has had multiple shooting and deaths over the last few years. Just google desert sky mall shootings.