The combination should help you develop new strategies (money applications), and how and where to apply these strategies.2 - You don't need money, at least your own money. 

Cost could change but the bigger issue is making sure the usage is still eligible for the type of policy you have.As an example, at the time of application, a company might ask are all lease agreements for one year or longer. 

(In reality, the tenant overloaded with heavy items not meant to be stored in a kitchen cabinet, damaged the property as a result of their own negligence.) 

And, if the money is borrowed and you lie on your loan application about that (they will explicitly ask and you will have to explicitly lie if you want the loan) then you're committing loan fraud.If you have to turn right around and sell this property for some reason, I,as the lender of the 20% down, will suffer a 50% loss. 

You can price materials online or by phone at big-box or local specialty stores if you don't have a special hook-up yet. 

Do you think the tips in the guide, Real Estate Investing For Beginners, are still applicable in 2024 and beyond?

But he kept pushing, and saying that they don't hold my application until I decide.

I would start the whole process over with the tenant - application, screening, and approval.

Anything more than a small application fee ($200-$300) and maybe an appraisal ($300-$500 if residential) and I would look elsewhere.

DSCR would be your best bet but again 25% down and a DSCR of 1.25% minimum.Do yourself a favor and do not let just any Lender/loan officer pull your credit just so they can take an application and have a possible deal.