Newbie to the brrrr method

[Krystal Alimenti]

Hello BiggerPockets family! I am new to investing in real estate I'm currently renting my SFH out right now while I do some travel nursing around the country!

I want to get started in Brrrr’ing my first multifamily house,however, I am a little confused on how to do this with opm, wouldn’t the hml require some form of down payment and only cover up to a certain %? Do you just get another hml or gap lender to secure the rest of the deal? Once you’ve secured the house what are things to look for in a reliable contractor? Last question, when it’s time to refinance, is there than a new down payment for the new loan or what should someone new be aware of at this part?

thanks!