Can usually allot 5-10% vacancy factor and same for maintenance.9) Class B usually also okay, but needs more attention from owner and/or PMC.

Yes usually need to be a full time real estate professional to take advantage of those passive losses.

Prepayment penalties- usually 1-5 year terms.

I usually tell investors...if that is the way you are leaning, if you're like many of the very best and active investors who want to buy and hold and get 1 property a year, don't get your license. 

I usually get 10%, maybe a little more.

I do use the 1% rule and usually get a little more when doing the ADU projects for cashflow...

You will usually get mailers from attorneys that do this yearly they will take a fee based on your savings. 

I pay them back asap with the rental cash flow and any extra cash I have sitting around from my W2.

Usually, those "super cheap" properties become money pits, especially if you don't spend the money to fix them up correctly or if they're just in a bad neighborhood that will attract tenants that thrash the place.

Agents usually don't manage or collect rent unless otherwise agreed upon.