Looking to Purchase Potential First Real Estate Investment

[Matthew Phillips]

Good Afternoon,

Looking for some advice on my first real estate investment.

Found a duplex that was just listed a couple weeks ago for $549,000. 4bd and 4ba at 2220 sq ft. Being a college student with limited funds for investing, what is some good advice for paying the downpayment. I've looked into some local county downpayment assistance programs, I've heard advice about using either private or hard money lenders, I've also been told that it could be possible to use a credit card for the downpayment if I've got a high enough credit score. Any personal experiences or advice?

I'm probably going to let the property sit for a little bit and see if they reduce the price more and then offer a slightly lower as well. It shouldn't need much work down to the property, if any. 

Appreciate the help,

Matthew Phillips