New Member with basic questions about researching properties

[Dhruv Salwan]

• Hi Everyone, I'm Dhruv Salwan. I live in Germantown, Maryland. Super excited to be here. Looking forward to learn from all of you. 
• While using the rental property calculator here, I had some doubts about some of the fields. I would really appreciate if someone can help me with the following basic questions. Also, I'm looking for opportunities to assist my fellow real estate investors here in Maryland. 
• - What are points charged?
• - How to calculate gross monthly income?
• - Which insurance agents/companies to contact while researching properties?
• - Where to get information about electricity, gas, water & sewer, garbage?

Thanks.

Regards,

Dhruv Salwan