Does that include covering your (future) retirement needs, health care costs, all other corporate benefits?

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

This is very well worded, and I believe covers most new investors' concerns and questions. 

The one you can scale.I know successful business owners in the fitness industry, tanning salons, real estate, window coverings, maintenance, billboard, ATMs, etc.Generally, I would be skeptical of jumping into a business based on YouTube videos hosted by and featuring people that are likely primarily trying to sell you their respective courses.Small businesses can indeed be great investments, but they are hard.  

So you are negative $600 a month on the first one, you will need to have the personal income to cover it and then still buy the next one.A couple of thoughts:1.

The payments from the mortgage would cover a loan of this size as 12% interest.  

Loss of income is another coverage that you will probably want to cover any period of time you can’t rent out the apartment due to a covered loss.

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Please feel free to reach out so we cam discuss this in detail.

With multifamily house hacking, you live in one unit and rent out the remaining units to tenants.Why Multifamily House Hacking WorksHere’s why house hacking with a multifamily property is such a powerful strategy:Rental Income Pays Your MortgageWhen you rent out multiple units, the rental income from your tenants can cover a significant portion—if not all—of your mortgage payment.