Usually when the bottom leaves start to loose their color its a nitrogen defficency. What kind of medium are you using? To get rid of the fungus you need to cover your pots so no light touches your medium. As for your ph, buy a "ph pen" Here's a link.
eBay Store - eSeasonGear: Pocket Testers: HANNA Primo TDS Meter, PPM Tester, Conductivity
Definately worth the $$$. Then you can diagnose your problem a bit more accurately.