Whether utilities are individually metered or master-metered makes a big difference.

When you sell a property "subject to" the existing mortgage, technically, this clause could be triggered because ownership is transferring to a new entity or individual.

If they were separately metered, each tenant would pay the $116.50 base fees and their individual use, which would be 3x higher than what they pay when sharing a meter.There are many options, but don't make it more complicated than it needs to be.

If the lender defaults, will the fact that I purchased the loan as an individual with no licenses compromise my capability to collect/foreclose? 

I'm sure that this is one of those "I can't speak to this, all individual investors are in different financial situations, yadda yadda yadda" which I get, sure. 

They would be more proud of you being free/driven individual vs. just taking it from a boss. 

And finally how do we even know if you really are an investor and if you really lost any money and how much.. there is another thread on BP where someone like you ( major bone to pic) started flaming the company because they could not pay their interest payment or get a redemption and it boiled down to that individual had a 5k investment total ..

It is easier to approach a personal party with individual needs than a stringent lender with guidelines.Seller carried transactions are not always the most favorable option. 

I doubt this individual would want to go to court over anything.

if you want to be hands-on and active, then you could buy more individual properties.