We're trying to close on our first property, but we keep getting stuck when it comes to finding a lender because so far everyone is requiring a fairly large down payment.Looking forward to hearing your input!

Is it a fair question to ask them for contact information or reviews from previous real estate investors they've helped?

Knowing what to say and what not to say also come into play and most sellers will screw that up to, though I admit so will many agents, therefore it is very important to find a good and highly experienced one.You mentioned not wanting to pay $900 more to list with an agen.

50/50, more than fair. 

I just want to get my fair price.

Banks will want some type of historical data if they are going to lend on the deal.I would look more for a momentum play, an asset that is a bit more stabilized, but is still cash flowing.

There seems to be a fair amount of vacancy of other apartments but cannot confirm.3. 

I'm not sure how that would play in your market.

I also think rent is fairly low so would be easy to fill and could even be increased.Rent is currently averaging $690 per unit so $5520 per month in rent income.Monthly expenses = $1445.

Title insurance rates are fairly standard.The better question is whether you want to choose your own vendor to look out for your interests.