I've done a lot of studying and seen YouTube videos but would honestly love to talk to a real live human who has done this. 

Education, knowledge, experience, ability, capital and luck have much more influence on success that the strategy chosen.

You can probably get this coverage independently from the lender chosen.

(I think that the "repair costs...might be a lot more than you are expecting" comment by David above was meant to mean the initial repair costs - rather than $5k).One more thing:  If you're going to knock back a 4-plex based on your best research leading you to believe you'd only be getting $191/m per Unit instead of your own randomly chosen must-be-$200+/m criteria, then I wonder how keen an investor you are to begin with? 

Racist ‘Landlord From Hell’ Tortured Tenants During Pandemic, Lawsuit Says (yahoo.com)How does someone become such a bad human being?

And being able to connect with investors who are amazing humans doing incredible things to make the world a better place has gotten me so motivated, inspired, and excited about getting up everyday. 

As humans, we often grapple with cognitive biases that can impact our decision-making.

If your spouse sees that normal humans accomplish what you want to accomplish, they may be more likely to listen and learn.

Humans are programs to be cautious of anything new and unfamiliar.

Humans are inherently selfish.