As a co-host for short term rentals, you may not need a license as long as you're not crossing over into activities that could be considered brokerage activities like handling any contracts, collecting rents, doing any accounting, approving tenants, etc.

Does the cost per sqft account for electric and plumbing? 

@Michael James Hamlin I'm a former tax accountant/business consultant turned fix n flipper and investor friendly agent. 

If a problem arises with the property, the City will attempt to contact the owner and hold them accountable.

Any other expenses are using up funds that would otherwise be sitting in your checking account to make a mortgage payment with.

And then maybe I wouldn't even worry about the annual fee after a lifetime charge, but to shut down my account without any explanation. 

Each multifamily building I have has its own bank account.

There's no step by step guide but there are key things : Learn: RE strategies, what interests you, what do people in your area need.Connect: find a mentor, accountability group and be around those doing what you want to do.Help: solve problems- do people need dealflow, property mgmt, construction expertise, etc. 

I asked for ad copy and accountability of all adds and money I spent, only to be ignored.

@Michael Klinger  As others posted, SoFi and Discover personal loans are good options and I've used them in the past.  2-3 business days from application to funds in my checking account.