On the other hand if you feel the stock market is going to under perform the 6.8% (knowing that the average long term gain on the stock market is 7%) then you might consider paying off the notes more. 

Personal readiness includes long-term plans, maturity, and market conditions.

Zero cash flow translates to negative cash flow in the short term because you have to maintain it.  

We typically ask the purchaser of the report to enter all 0's for the SSN which indicates to our screening team that a SSN is not available.

But- since you are a newbie, in lay person's terms, the answer is yes...but slowly and over a very long time. 27.5 years, to be exact. 

My house hacking criteria for the last few I have done has been to buy the most expensive 3-4 unit I could with it still at least breaking even after all expenses as a long term rental.

Typically what is known is done at closing but trued-up later.If your PSA specifies any credits for non-ready units, that will offset the other costs.

We invest in areas that are typically right next to the ones that have already "up and come."  

I envision offering the full gambit of stay options: short, medium, and long term rentals.

Long term I think a duplex will beat out a SFH.