looking for flat...

I'm looking for a flat.
We're looking for a flat, Tina and me.
Well, if Betty is willing to move, all of us three, are looking for a flat.

We prefer to have a 3+1, simply, all ladies, each has her room. No owner living with.
We prefer to be near MRT, easily, to get to down town and offices.
We prefer a condo ! For security, all facilities, especially the swimming pool. (j'adore)
We want a reasonable price, without agent or co-broke.

But after the seeking of these days, I found finally, it's impossible!

Rentals are raising so much since I came to Singapore at the beginning of the year, almost 20-30%, good resouces are always kept by agents and I hate to pay agents who do nothing and easily get money from both parts.

Tina and I visit some flats these days, tried, and nothing interesting is found. We're considering to rent a whole condo flat and re-lease it to some tenants, like people do, but finally it seems too complicated.

HDB is not bad, but old HDB is inacceptable, especially some old HDB without renovations...
We cannot stand living with owner, to avoid several rules in flat...

A few posts show "sorry for indians and PRC", Singaporians are good at generalize things and people...

We're keeping searching, hope to have good chances.