This is not normal in a rising interest rate environment. 

I will provide some thoughts on the San Diego purchase- virtually all high LTV mls purchases since rates started to hike have negative cash flow at purchase- historically great appreciation- historically great rent growth but recently flattening- prop 13 is great benefit for long holds- laws keep getting less LL friendly.

Nobody wants to be around people like this, so I’ve had to lower my rent drastically and have a high turnover rate here.

There are many investors that look at promises ROI or interest rate and nothing more.  

Expect a higher rent rate, but also higher turnover and longer vacancies.I've rented to dozens of traveling nurses and would say about 50% of them were nuts.

If she wants paid for canceled appointments, then I would suggest you look for a new cleaner.My policy is to keep all funds if the guests cancels within two weeks of their stay, unless I'm able to rent to someone else for the same period/rate.

I’m specifically asking about eligibility for the higher return rate offered to Stessa Pro members when using Stessa Cash Management.

Seems to be in line with market rates. 

Both offered up to $40k, 12-14% rate which is higher but not bad for an unsecured personal loan. 

What if your occupancy rate is 90%?