This call felt like my chance to level-up but bringing on two employees at the same time felt overwhelming, beyond my capacity.

If the IP addresses are the same for each signee, then there is a chance that the same person signed. 

(as if they do not get what they need and run out of money then chances of winning a suit are nil)3.

If this is a one-off issue and they generally handle things well, maybe give them a chance to make it right.

And you can do it with little cash, 5% down conventional is better than 3.5% FHA.House hacking also gives you a chance to cut your teeth in all major skills: analyzing deals, buying process, financing, working with contractors, advertising for rent, background checks, property management.

To have a chance at success it is critical to have a team that knows the city very well and that includes both your realtor and your property manager.The areas that look like you're getting good cash flow for an inexpensive property are often D-class neighborhoods where you'll have to deal with frequent turnover and difficult tenants.I'm not saying you cannot be successful owning rentals in Baltimore City.

But at least you have a chance, and aren't exacerbating the problem as much.

My goal would be primarily cash flow rather than appreciation unless there's a property with a good chance of flip. 

The chances of them actually calling your note due is slim to none.   

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.