Financing Off-Market Deals

[Adam Kayne]

Hi all - I am looking to buy my first rental property over the next few months. I work full time and have a salary but live in a college town where it is very difficult to find any deals listed on market. I've talked with local investors and they recommend searching off-market. I have roughly $20K in cash, so can close with a 3-5% down payment for a loan. My question is can I use an owner-occupied loan for an off-market property? I am unsure if I should be looking for investors to partner with who can front more capital on potential deals or if I am able to go in alone. Any advice helps, thanks!