Hello very excited to get started but I have a few questions.

1.) I wanna make sure if it's okay to make our own sprites and characters?

2.) Are their background resources? 

3.) What do you recommend for someone just starting out coding to use for VN creation on a Mac?

Hello!
1. Yes, you can use all original assets if you like! 
2. No.

3. I have no experience using Apple services. Ren'Py is the standard software for creating VN's