As far as meetups go, you can find a lot of local events posted here on BiggerPockets: https://www.biggerpockets.com/forums/521-real-estate-events-...I also have a list of Chicago meetups that I can share with you as well.

There is so much to learn and I look forward to connecting with this group to learn all I can.  

As far as bank is concerned, I am still the borrower, because we did this transfer behind the bank's back. 

As far as your next property, if you are already considering moving you will get better loan options + interest rates if you decide to live in the next property and rent out your current house. 

Wholesaling is risky, because there are a ton of bad players out there, and so most brokerages don't even allow it because there is so much risk, and the principle broker is risking their livelyhood. 

@John Zhang as far as I know there is no limit to how much w-2 income you can offset if you qualify for REPS.

Halethorpe/Elkridge/Glen Burnie are good as well but your money definitely won't go quite as far as Dundalk and Essex as everyone has hinted about here.  

As far as the noise goes, I can tell you from experience that being an entrepreneur in any form can be a very lonely place.

There is SO much to say.

My suggestion would be to cap your utilities at a certain amount and have Tenants pay anything over that amount.That will help you manage your expenses, and also allow Tenants to gage their usage each month, and make adjustments if they don't want to go over the allotted amount.As far as collection, provide the bill showing any overages and just have them pay for it along with their rent.