Lets say you needed $100k in financing at 12% + 2 points and it took you a year to rehab and refinance that is an extra $14k + closing costs.2. you mention roof is 18-20k.

If this is your primary residence and you have an extra bedroom (or can make an extra bedroom), AirBnb can be very lucrative. 

The home would be about 6 weeks for my team customarily but the outside is large so 2 extra weeks to be safe.

This extra year gives property owners more time to schedule inspections and make necessary repairs.Key Points:Applies to multifamily properties with three or more units.Covers balconies, decks, and elevated elements made of wood or similar materials.Inspections must be completed by licensed professionals and repeated every six years.Hazards identified must be repaired promptly.With the extension, now’s the time to plan ahead.

It 12 years, assuming you make no extra payments, you'll have a paid off condo that cash flows a lot better. 

To avoid the risk management/insurance that comes with tenants' wood fire use:I'm thinking to seal the chimney cap on roof and run a cord putting an electric Infrared heater fireplace in there, so they can still open the glass and get heat and watch TV over the mantle, but can't burn anything or have any flame.

It’s an extra step, but it can save you from surprises later.Keep asking questions-it’s the best way to learn.

My clients appreciate that. 10 years ago, people used to offer you lunch, drinks, etc. no one even offers a glass if water anymore.

Is it worth to invest and learn from their program in order to start my co-hosing STR side business just to get some extra money monthly?

You can find online mortgage calculators that allow you to play around and see what happens if you do an extra payment or increase your payments.