if your a beginner highly unlikely your going to get Zero money down deals.. there will be some closing cost some cost involved.. you should work on some kish up front then go shopping.. nothing spells failure quicker than under funded.

You might be able to find your area's laws online.

You can also check their reviews online at Google, Facebook, or Yelp.

There are tons of shops and restaurants in a 5 mile radius.

Without a specific property online reserves will be hard to guess but 3-5k a unit is a good place to start.

I have plenty of projects going on at any given time and I'd be happy to talk shop if you want to reach out! 

Did you shop around for various quotes before selecting this lender?

We had to shop around until we found a good mortgage agent who was knowledgeable about options for low money down buyers.

There are a lot of people that have learned from shopping properties.

Another tip is “do your research but not too much, don’t read online forums.”