We finally got to the point that we felt comfortable enough to speak to a mortgage lender.

After a long while off of BiggerPockets im back and I have learned so much since i first became a member... i was an agent for about 3 years then i moved into the mortgage side for about a year before i got into the title side of real estate where i currently work.

This one pays off the mortgage but no other expenses which cost about ~4000$ per year (because I live in it).

Giving mortgages to properties being used for marijuana businesses could lead to civil asset forfeiture and huge fines for the banks. 

Pencil it out assuming 10% capex and 10% vacancy plus all of your normal expenses including taxes, insurance, general maintenance, utilities, water/sewer etc...On a tri if the income for the 2 covers all your expenses including mortgage and taxes and you can live in the 3rd then I would consider that to be a good deal.These deals exist in baltimore but you might have trouble finding something turnkey in a place you want to live so maybe check for something with some deferred maintenance that you can force some appreciation on.Good luck!

Also, the house I own the mortgage is through Bank of America, should I go with a local bank to get a mortgage for these properties?

I think what you are looking for is someone trained in the ways of real estate investing - an agent that will:Introduce you to FSBO's - Expired Listings and other real estate opportunitiesWill be your fiduciary representativeWill make offers for you on suitable real estateWho understands creative financing; delayed settlement, seller assisted financing, assignment, wholesaling, REO, tenant selection, soft money mortgages, tax salesWho will be responsive to your financial goals and a person of integrity and trustHelp with direct mail and street marketing to locate transactionsHousing and rent court marketingAbsolute aware of financial and contract clauses as well as contract engineeringCan assist in - delayed settlement - automatic extension, performance mortgages, subordination, principal mortgages, options and joint venturesAware of bidding on REO, forclosures, tax sales and public auctionsUp to speed on commercial real estate, lots and land as well as businesses with real estateHow should you treat this wonderful person (if you can find one) -They should have a commitment from in the form of a Fiduciary Buyers Brokers AgreementYour agreement to pay them a commission on any non-listed deals they bring youA bonus agreement for great deals that you closeA gas budget - or a cash payment for gas Kind words and respectTo be sincere and active with the agentRespect from youFirst class training on how to represent youSometimes an equity interest in the great deals the agent has initiatedListings when you are ready to sellYour cooperation - all your financials, tax returns and other information that will help your agent close dealsA few free lunches ----Good luck --- Charles

That's a span of time you can't even fathom at your age.2)  BUILD a SOLID FINANCIAL FOUNDATIONGet your credit score to >700 (there's a ton of info on how to build your credit anywhere on BP or Google)Obtain or continue earning W-2 income (this becomes important when you want to obtain a mortgage down the line)Pay down any bad (consumer) debt and don't pile on any additional bad debt.Start saving.

You can try tax liens as George suggested (you have to know what you are doing) or perhaps try investing in mortgage note fund or some crowdfunding platforms which require smaller amounts to get started. 

I don't mind the renewal dates being staggered because then one tenant is covering the mortgage, taxes, and insurance, at least.