@Rich O'Brien Hey, I hope things are picking up in your life now.Wanted to check-in and see how things are going as well.This community seems to be so helpful, I'm glad you were strong enough to post about your situation.

Pick your battles. 

My advice on sub to is as follows1- COMPLETELY understand the process, implications, liabilities, and possible outcomes before engaging or attempting to engage in a sub to transaction2- Complete disclosure going so far as making sure the other part understands the transaction and possible consequences3- Utilization of an attorney experienced in subject to transactions for setup in such a way that provides some protections in case of default or in case the note is called4- Have a backup plan in case the note is called5 - only use for property that has a TRUE positive cash flow unless the buyer has substantial reserves I myself have purchased 8 properties subject to, but 5 of those were commercial properties which often have notes where a subject to is allowable.  

Outcome currently is a rented basement for $1,350 a month + $130 in utilities while I live in the upstairs unit.

When that portion was complete, I could then receive draw money which allowed me to pay my utilities, taxes, and mortgages.

@Michael Beirne Lower priced markets such as Baltimore are very difficult to operate in utilizing entirely 3rd party support.

Utility deposits?

You picked a great community to join.. have you checked out local comps to gauge the market vibe yet?

Where did you take into account the landlord paid utilities?

Pick one or two .