So based on what you know, if a beginner were to snatch up several of these 10.5% TDs over time, and experienced typical losses for a beginner, what would their net be? 

Never a bad idea to look at the comps - this should help give you some direction based on your specific market.

The demand is pretty high especially if you are near Hospitals and Military Bases.   

I've been a developer for 17 years on projects across the US and we do both JV deals and consulting based on what is most beneficial for all people involved.

Some banks offer accounts with no monthly fees or provide ways to waive them based on account balances or activity.3.

Based on what you say, yes.

Here's a list to give you an idea:Startup Costs:Down PaymentClosing CostsProperty InspectionAppraisal FeeProperty InsuranceInitial Repairs and RenovationsEmergency FundOngoing Expenses:Mortgage PaymentsProperty TaxesUtilitiesProperty Management FeesInsurance PremiumsMaintenance and RepairsVacancy CostsProperty DepreciationLegal and Accounting FeesRemember that these costs can vary based on factors like location, property type, and personal preferences.

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

These types of loans are approved based on a proforma and plausibility.

Based on your post it looks like you have owned it less than 12 months but seasoning is an important point.