for one tenant it says that the landlord is responsible for utilities, and for the other tenant it says that the tenant is responsible for utilities.

My basic underwriting making some standard assumptions on HOA expenses, 20% down, 7% interest rate, 30 year mortgage, utilities, supplies, and maintenance costs shows a loss of about $22k per year if you are self managing.

Make use of its features like online rent collection, maintenance requests, and tenant screening.Local Resources: Consider joining the Central Indiana Real Estate Investors Association (CIREIA).

.- Technology & Automation: Utilizing project management software, such as Buildertrend or Monday.com, enables real-time tracking of budgets, schedules, and contractor communications.

Check out other online guides available here: https://www.biggerpockets.com/guides3.

I am interested in utilizing space again for group meetings, workshops, and for clients who may still desire private space.  

I think there is enough information online that another course isn't going to move the needle on getting involved with a MF property or not.

Opt 1) utilizing our savings in the brokerage account and emergency fund and pay for it all up front. 

Yes, operations is a big part of that, especially for anyone that wants to be a business for the long-term.If I were you, I would be talking to office brokers about partnering more than an online forum.   

There are any number of Real Estate schools available to you, so choose the one that compliments your learning style, whether that be online or in person or a hybrid.