LendingClub to the rescue or nah?

[Earl Jornales]

So if I got an IRA and set that up with the max contribution for the year, would lenders be able to consider the money in that IRA as the necessary requirement of having 3 times the mortgage value post-closing? I don't really have IRA and I can sense some people are already shaking their heads at that. I've been told that I need money 3 times the mortgage left over in order for the lenders to feel good about the mortgage.

I'm considering crowdfunding some money from lendingclub to create a Roth IRA and max that up for the year. I've seen a few posts around Prosper and LendingClub being okay for investment purposes, but they might have been old and are people not using it this way? It will likely create a dent to my excellent credit score, which I can probably repair by October or December. My goal is to have the ability to pounce on my first investment opportunity should I see it. What sounds good for this situation?