Messages Through Fog

Sending her messages through the fog.  It's nearly morning, and I just want to talk.  I'm waiting for her to come back home.  I'm thinking clearly now, and I just want to let her know.  I'm not in love, but maybe I'm somewhere close by.

There's ether between us.  A silent medium through which my heart floats.  There's a million miles between us, but I'm standing right next to her.  I'm not in love, but maybe I'm somewhere close by.

All our matter is dispersed.  Giant things made small.  We rejoin the universe, and speed away into oblivion.

Realty

Which do you prefer?

Option 1
Townhouse at 22nd St, a few blocks south of Camelback.  Complex is kind of older, sort of shabby.
Beds/Baths: 2 / 2
SF: 1,504
Kitchen Features: Disposal; Microwave; Pantry
Master Bathroom: Full Bth Master Bdrm; Double Sinks
Additional Bedroom: Master Bdrm Upstairs

Laundry: Inside Laundry
Dining Area: Formal; Dining in LR/GR
Other Rooms: Great Room
$52,000 with a $361 listed HOA monthly fee. (For reference, the mortgage payment on this would be around $287.15, so with the HOA it would be $648.15)

Option 2
House at 20th St and a few blocks south of Indian School.  Has a decent sized front and back yard with grass and trees.  Not a super awesome looking neighborhood (really close to the 51), but this particular street is really nice.
Beds/Baths: 2 / 1
SF: 620 (I don't really buy this after walking around it.  It looked more like 850 or so)
Kitchen Features: Range/Oven; Microwave; Pantry
Master Bathroom: None


Laundry: Wshr/Dry HookUp Only
Dining Area: Eat-in Kitchen
Other Rooms: Family Room
$70,000 but with no HOA.  The mortgage for this is $386.54 per month, but then I would also be responsible for yard maintenance and the upkeep of the outside of the house.


So it's a townhouse for $52,000, which is easier to rent but harder to sell, versus a house for $70,000.  The townhouse has two full baths, while the house only has 1.5.  The townhouse would have a lower mortgage payment, but a high HOA fee.  This may not be such a big deal, as the HOA would presumably be responsible then for lawn maintenance and the exterior of the place (this sometimes even includes the A/C).  Also, most HOA fees cover water and sewer as well.  So it might work out. 

Choices?