Have you looked into lease option deals? We have it in the Tampa Metro and I believe its also available in the Phoenix Metro. I will reach out direct with some details.
@Sho Firecomm Most agents aren't familiar with seller financing, so it's just easier for them to say no. As a buyer, you have the right to request seller financing when you make an offer. But if it's a listed home, chances are it's going to sell quickly in our market, so sellers may not be open to this option. This has been my experience.
You may have to create this deal yourself by doing research, legwork and contacting sellers directly, either by letter, door knocking or calling them. I follow a wholesaler/flipper/creative finance guy on Instagram who shares tons of information about how he does what he does, videos, recordings of his conversations with sellers, you name it. He's not a guru who charges for information, he just shares what he knows and he is gaining quite a reputation as being a resource for investors. His IG name is pacemorby.
He also has a Facebook group where he posts recordings and goes live.
What you lack in down payment, you can make up for with creativity and hustle.