It's difficult to obtain this kind of data because for the most part, you have to do it manually.

There's buying sub2 where you don't legally assume someone's loan....you simply obtain title and "promises" to make payments on the seller's loan which stays in their name....a few traps with that one.  

Assets are obtained from the day you closed and offset the liability for net worth.

3) in the multi-unit arena (5+ units), you can obtain 75% cash-out refinance, but that's another topic.

All in all, the tenant will usually have less credited than they think for loan to value lending purposes and will fail to obtain the loan, that being the plan by predatory sellers. 

The money and the credit don't necessarily need to come from you but you need to have the time to dedicate to getting started and the primary thing you need to focus on in the beginning is obtaining all of the Knowledge you can.Pick your REI niche, retail flips, turn key rentals, etc., and then get as much knowledge on that strategy as possible, by whatever means necessary and possible. 

I felt kind of bad for them but I obtained their contact information so hopefully I can work with them and make that expense worthwhile for them. 

Is it necessary to obtain an initial appraisal for the property I'm going to purchase?

I cannot tell you what the rate would be as you would have to price your loan out, but I do know that if you qualify you can obtain two of the three items you want. 

If you just want to invest in real estate, you don't need to get a license.If you are interested in working in real estate and desire to get a license, you will want to do some studying on the Oklahoma Real Estate Commission's website to learn the process for obtaining a license.