I'd like to get a reference (or two) for law firms that provide advice that will include an insurance claim for a fire which started in a neighboring tenant's trash bin they leaned against my 4-plex. 

The best I know of (and we can do this) is 15% down, but even then in this high interest rate, high tax, high insurance environment it's really hard to get a property to cash-flow positively without putting a lot more down.

I fully plan on 1031-ing every property I ever own as a rental, so I'm not concerned regarding depreciation recapture.

Closing costs, title insurance, appraisal, and recording fees etc.  

You’ll be lucky to get this as a newbie.These total $188k and don’t include property & title insurance, closing costs, property taxes, utilities, staging, and all other misc. costs

Both Air Cover & VRBO provide medical liability up to $1M (and we are currently only listed with those two with no plans yet to host directly).

And plan on decades to get to financial independence.

I am definitely considering buying a home and renting it to other travel nurses/doctors, but I would like to make a more well thought out plan, and realize I am still a ways off from actually buying.

If the PCR (Property Condition Report) identifies the property as IE (Insurable with Escrow) the, yes, a lender may allow you to fund an escrow account at closing.

Of course, I haven't include the taxes, the insurance, the property management, maintenance reserve, vacancy, etc.