First time investor looking into financing options and inquiries

[Anthony Moore jr]

Hello everyone! My names Anthony i'm somewhat new to BP. I've had an account but haven't done too much with the site yet. I'm looking more into how to get started and hope to create some great new relationships with my fellow investors and create a cashflow through rental investing. I have a basic book knowledge of real estate investment. I've read the ultimate beginner guide and and i'm currently reading the book on Rental property investing. my niches are single to multifamily rental investments. I'm looking at a couple of places in the Minneapolis area now. One has a current unpaid loan on it and the other appears to be paid off. My questions seem kind of obvious but i want to be absolutely sure. 

when getting a loan and buying the property, can the loan be used for the down payment or is it a completely separate and i have to make the down payment out of my own pocket? 

Second, for the currently unpaid property when purchased does I take on that owners loan or do they pay off their loan keep whats left over and I only have my own loan to pay off?