I'd like some true feedback from current users as there's not a lot of review to be found online.

That is very true, I understand where you are coming from.

These are true STR expenses listed, not the typical “oh, you just have to pay for your mortgage and utilities” logic some “gurus” teach.

Sad, but true.

Is this true?

It is true they supply the furniture, but ask yourself who would be willing to do all that without a guarantee of income. 

However, if this is a true "joint venture", all members must be actively involved in generating their own profits so the credit partner would also need to participate in decisions regarding the property such as which contractors to hire; handling issues that arise, etc. 

Quote from @Trevor Naumann: I have found the trick with banks to be that they will all only tell you what’s possible at their bank and not what’s possible in banking.This is so true and so frustrating.

Losing a listing opportunity because an agent you don't even know bad mouthed you and told the client things that arent even true or accurate - yes this did happen.

It's true there are many people faking a disability or faking that their pet is a service/assistance animal.