I hope I provide enough information to get educated responses.

I’m also new to BP and RE investment so doing a lot of educating myself on the concepts, jargon, knowledge base.

So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started. 

I'm in my education phase right now and I've determined that I want to start out with an FHA house hack (hopefully a 4 plex).

You should plan on 20% down, closing costs, legal etc. and probably another 10K in reserve funds.You should probably spend more time studying finances, real estate and your local area to get a more complete education on investing.

.- Personal Articles: Coverage for belongings that have a special or collectors value such as Jewelry, Furs, Fine Arts, Collectibles, etc...Depending on which company is being quoted, some of these otherfactors may get you credits:- Insurance Score (company pulls certain info out of your credit report)   It is not your credit score but generally better credit will result in a    better score- Time at your job- Education level- time at current residenceGood Luck

To everyone at Bigger Pockets, this deal and the many more to come are 100% due to the amazing job you do providing people like myself with the education, tools and confidence needed to successfully navigate the RE investment space.

Another potential difference between lenders is the minimum amount of time before you can refinance, known as the seasoning period.

My contribution to the thread was a post that indicated that there are under educated RE investors in virtually every market making what appear to be questionable purchases.There are threads like Stupid things perspective tenants say. 

The earnest money deposit is yours, You can get it back if you back out of the deal within your inspection period or if the deal falls through because of financing, but if your doing a conventional loan make sure you have an Appraisal Contingency so if the property don't appraise you wont be obligated to come up with the difference.  3.No, its your money and its becomes part of the funds you bring to the table when its time to close the deal.4.