In a lot of ways i still feel 18 and i still have so much maturing to do, however i do feel mature in many aspects, i have a stable career, i pay all my bills, i have a car bill but it will be paid off ASAP (less then 300 a month) and no bad habits/addictions.

It is very common in CRE to bait and switch or have a loan denied and paying $2k+ for an appraisal and a 1% deposit. 

One unit to pay the mortgage and the other for my pocket!

I pay that card every month so it doesn’t accrue any interest that card is paid from the Relay bank account so the expenses are tracked. 

You get about 3 months of rentals, maybe 4, and that must pay 100% of your expenses for the year to break even.

We reached out to the guest but they weren't willing to work with us on it, adamant that they should get to keep the booking.We ended up having to pay the fine and had our listing penalized pretty heavily. 

Intent to pay off in that time. 

Basically they are a type of insurance and insurance companies make HUGE profits because they pay out MUCH LESS than they take in meaning that over the long term you will lose money with them.

My rent is $2,350/mo (I could probably get more but I want it to move quickly) and it is in a gated community - just to give you a sense of they type of property it is and maybe what type of expectations a renter may have for what they are paying for that rent.

He signed the paperwork (as did you) and legally he's responsible for paying it.