Don't you need at least 4 circuits -- two kitchen small appliance circuits, a bathroom circuit, and a general lighting circuit? You'd use the normal demand load calculation to determine the rating of the feeder (3 VA per square foot for general circuits, 3000 VA for the two kitchen appliance circuits, 0 for the bathroom).
This will come out to something under a 20A feeder. You'll get hit by the other rule that says for more than 2 circuits you need at least a 30A feeder. So a 10-3 feeder would probably cover it.
How will these feeders be fed? That old central panel which is being removed -- is it being replaced with a new one? Are you running service conductors or a feeder to each unit? I think feeders will be cheaper than service conductors (no main breaker needed in the subs, no conduit requirements, no minimum size requirement, but you'll need that main distribution panel), and you could have issues with service conductors going too far into the building before hitting a main.