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? 

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.

I personally wouldn't take the advice of someone answering the phone at the City office as gospel. 

When I spoke to him on the phone after the inspection was completed he was very angry and spoke in a loud tone.

They booked and paid through VRBO so I do have a phone # for them.

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

Lets connect and you can find me on social media, I also send you a message and gave you my phone number as well

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.