Newbie Investor - Las Vegas

Good morning to all,

My name is Jennifer, and although I'm guilty of committing the first of the 7 deadly sins of Bigger Pockets (lurking without interacting), I'm ready to come out of my shell and take action.

Since the summer of 2013, I started attending various investment seminars out here in Las Vegas and watching webinars. I was recently talking to an old high school friend who I had no clue even had investments in real estate, and she told me about the advantages of investing in multi-unit properties, as opposed to single family homes. After talking with her, and realizing that someone who came from the same humble beginnings as I did has been successful, I've found the courage to do my first deal.

I've given myself a deadline of August 31, 2015 to get this accomplished, and have began looking into HML to help with financing my first acquisition. My question is, what is the average percentage rate I can expect to pay, including points, to fund a deal?

Thanks - Jennifer