Loan Question for Buying a New House

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Hello, 

I am very interested in making my first real estate investment purchase but am a little stuck on the first step I need to take. I have a Realtor who has shown me a house that the numbers look good on and I want to make a move on. I am stuck on the next steps. A few questions I have: 

1) The list price of the property is at $319,000 and we are thinking of making an offer of $295,000. I am a complete newbie on how to go about getting a loan. What are my options as far a down payments are concerned? From reading online, it seems as if commercial loans all require a 25% down payment. Is there any other loan out there that I can look at, which will require me to only put down 10-20%? 

2) Just a high level overview:

Monthly Rent: $2,950
Property Taxes: $6,500
Offer Price: $295,000

Just based on those high level numbers - do they make sense? I have been running them through spreadsheet after spreadsheets and everything keeps telling me yes, but I just want to be sure. 

Any help, any blog articles, any books, and references on where I can learn more about loans would be great. I am based in the Central Jersey area. 

Thank You