There are lots of places - townhouses, attached houses - for less than 10K. They may not be posh and new, but they are perfectly fine. We pay much less than 10K, for four bedrooms, three stories, small yard. It's not in the heart of town, but I wouldn't trade it. 2800 sq ft. Much rather be here than in the 1200 sq foot
condo we were in when we arrived, courtesy of the idiot agent who said that's all there was for our budget (and we didn't' know better).
The thing with the agents is they assume you want something shiny, new, and expensive b/c you're an expat and therefor you must be rich. And they make more commission. Just tell them that you have "very good friends" who live in bukit timah, upper bukit timah, clementi, the west coast, east coast, etc etc, for MUCH less than she's suggesting. It should work. If not, get another agent.