Before you think you're getting in for zero down, have you asked what kind of cash reserves you have to have to qualify for the loan such as X number of months rent, and X number of months taxes, and what about insurance are they going to require you to buy one years of insurance or something.

You rarely will get both (at least not right now in this current market).If you want to explore different opportunities within various areas of the Valley, get a seasoned investor-friendly Realtor who is competent. 

If you have the right team you can get it done.

  $6k per month and $30,000 to get it going and it cash flowed about $20k a month. 

Yes, it's possible to get an FHA loan with 3.5% down in the city, but your lender is right—there are some tricky hurdles, especially for multi-units.

Looking to see if there is an interest in the community for this.Thank You Hey Manny, I'd love to get on a zoom call with you.

I really want to do an apartment building but i want to build a track record first of smaller deals and just looking for a strategy to get into deals similar to a subto or wrap.whats an agency loan?

Etc.Etc.I've found that when you can get crystal clear on what your ideal good deal looks like, it is MUCH EASIER TO FIND IT!

Wholesalers (no offense to those in the comments) who are doing this without being a foreign entity are probably co-wholesaling which is on the borderline and practically acting as an agent without a license or getting referral fees by having actual wholesalers on the ground doing deals and they just provide the leads which is different than wholesaling.

You can call suppliers, but may need very specific details to get a meaningful number.