Myself and another host had difficulties on the Morgan Stanley website that we were sent to. He was on the phone for over an hour with their help services. I did not receive the W-9 when it said I would. And I reviewed some things on Morgan Stanley and it looks like there is a minimum $5,000 and a 0.35% annual charge for using them. Can anyone confirm this? MS has terrible reviews, so it makes me nervous to use them, although I want to invest in AirBnB.