New looking to purchase first property

[Natali Goenaga]

Good evening BP community what is the best option that I have on this situation :

My husband and I are looking to buy our first property to live in ( 200k - 240k) we have 2 choice for mortgage loan 1. With SECU (non profit) 30 years mortgage 4.375% interest rate THEY DO NOT required DOWN payment or closing cost , I will spend only $500 for inspection out of my packet and maybe DD fee.  2 . Local lender 3% interest rate with choice of down payment assistance I will be paying closing cost inspection and DD out of my packet.  
we have right now 16k in savings. My husband doesn’t want to get a duplex because he said he wants privacy ( people have too many bad behaviors )   

I am starting with wholesaling since I don’t need much amount of Money or credit and then I can be saving my money to start buying properties and build a portfolio ( what strategies should I pick with wholesaling? I am paying propstream already   Direct mail , call calling ? (I don’t like D4D)  .   How can I invest my savings now ? Thanks