If its Paying for leads that is fine, then just some advice on how to navigate and where to look to generate them.  

Loan is an FHA loan at 4.25% and I am of course still paying that PMI. 

Hello,I'm reading Avery Carl's book "Short-Term Rental Long-Term Wealth" and she mentions setting up a designated business account and making housekeepers fill out a W9 and paying them through direct deposit or an online invoice payment platform.

I had a place like that who wanted $800 to replace a fan motor that I would usually pay my regular guy $350.  

He pays rent on time.

If you lived in the property for 2 of the last 5 years then you do not pay capital gains tax when you sell.

We use the rent to pay 90% of our bills and see at least a 10% return on our appreciation every year, year after year.

If they refuse to pay, contest the charges with the credit card company (assuming they paid with a card).

Now you need to figure out how to find deals and pay for them.

Whether is taking his "course", paying for the self written articles about his success or aka writing "puff pieces", buying fake Instagram followers, sitting on FB marketplace trying to get someone to pay for a house they don't know is condemnable and pay to have DJ remodel it and DJ never completing the remodel,  him spending an enormous time defending himself in small claims court, and threatening charges on  people that don't know law so they pay what he wants.All of those examples came from either my observation, experience, or other peoples reviews of him.The guy rented me a condemnable property.