Just starting out: Could I use Prosper to finance the 3.5% (10-15k) for my 1st property

[Marci H.]

I am just starting out in REI , and without going into too many details I'm somewhat starting over, so I don't have the 10 -15k yet needed for that downpayment and closing cost on a property I really want to purchase. I is a multi-unit (4) and I could identify one of the units as a primary residency (I think, going to take a look at the property) so I may be able to qualify for 1st time home buyers incentives? But for the remaining closing costs and fees I thought that I could use Prosper after doing a little research on their lending amounts and eligibility requirements. I have joined an REI's group locally where I am and signed up for one where I want to move but I don't see how I would be able to connect with anyone before moving there. I am looking for a mentor more so for the purpose of knowing how to assess and contract matters that make me uneasy. I have read, researched and networked but doing it is what I need experience.

When I read Brandon's article on starting out about trying to find a multiunit to begin with so that it can possibly pay for your mortgage on that property, that's the path I was on so it confirmed what I set out to do and so I did. Now how do I finance, before asking friends?

Initially I thought that I would wholesale to build my funds before trying to purchase but I really want to try for this property (I think) [yes i know I shouldn't fall in love with a property,so they say]and if not this there is another that is should be able to purchase approximately 35% below market value. So figuring this out as an option will help me either way. Thanks thousands