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).

I just can’t go that route.

If you go the direct-to-owner route, commit to doing consistent outreach for at least a year or, better yet, at least 2 years.

You wouldn't need to keep an eye on other investments, just focus on the one and maximize your cashflow.If I can make a suggestion though...I might be wrong, but I don't think you started househacking to take the simple route. 

I am definitely open to seller financing, I just wanted to have a back up plan if we decide on this route and we cannot find a seller willing to carry  

Most if not all of these properties require SIGNIFICANT cap ex rehabs and conventional financing won't touch them; you'd likely need to go the hard money route at 10-12%, 2 points, 12-18mon turn around.

Hit up Saima on Route 9 in Clifton Park.

If I go the multi-unit route I would put myself in debt for a bit, which is fine for long term investment.

@Nida KazmiThere are properties available on MLS too if you are going the " turnkey " route.

I will take the Private lender route and try my best to do my due diligence.