I considered sound proofing the ceiling of the unit below but I’m reading articles saying that it can be very pricey and it won’t make a major difference.

Check out the different Forum Categories here as they can answer a lot of questions you have just reading through.

Read my Utilities 101 below to see some options.

After reading much of the comments here I think a lot of peopele misinterpreted what has to be done.

Based on how I am reading your summary it sounds like there is solid equity in the 2-family in order for a bank to cross-collaterize assets. 

I'm sure you have a great read on your local market but I'd recommend refraining from pretending to be an expert on a market you clearly know little about.Good luck!

When doing a full due diligence on these companies, I found out that their trustpilot rating was 1 star and read several lawsuits filed against them, by multiple homeowners.

This does not involve the utility company meaning that you will still have to go into the property, read the meters, then individually bill each tenant for their usage and understand the bill is still in your name.

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

I read reviews on BBB and alot of them are bad, but I don't always trust bad reviews.