The advice i'll give you is to shop.

I would recommend connecting with an experienced loan broker that could help you shop a wide variety of lenders.

Other companies have come in person to do it.Every year, I get new 4-point inspections on ALL of my properties and send to my agent to re-shop my insurance rates. 

As for the insurance question, you have to shop around and make sure you only insure the property not the tenants personal property.  

Members of these in-house capital markets teams typically have prior experience working at multifamily debt brokerages, investments sales shops, etc., and a full rolodex / database of lenders whom they have rapport with to boot.

I would recommend on working with an experienced debt broker who can help you shop / compare terms across different lenders.

You will be surprised how many fall out deals I see from new and experienced investors that try to shop it based on rate and fees. 

What's labeled Private Money in the market - an individual looking to build a lending shop by using personal funds - this is out there but these guys are not cheap on points or rate and they have rules and guidelines like anyone else, so really the difference between them and hard money is nothing other than appraisal perhaps. 

I wouldnt count on many shops paying for your licensing/courses in this environment; most are laying off rather than hiring, and the ones that are hiring are looking for producers with volume/a book to bring over. 

At the buy down shops, you can get into the 6s but it will cost you a few points.