Commercial Property Financing

I am super interested in apartment complexes in the near future, but I know very little when it comes to financing and the other costs you don't think about.  I've heard 20-30% LTV down is required, but if you have any info on closing costs, reserves required, necessary liquid/non-liquid assets to qualify and anything else I would appreciate your insight.
Keoki Kimzin
USAF/Multi-family Investor

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