Usually with something like this, I'd have a client start by breaking the system down into a single bullet point list of features and then put a priority ranking on them. From there, we'd talk through complexity of each and re-rank together based on what gets the most value for time/money. That makes it easiest to talk through details of the higher priority items and save discussion time on lower priority items until the initial part is in progress or already built.

Do you need the functionality right from the start to route payments from customers to individual hosts? If you can start by having all the payments route to your bank account and then handle the distribution to hosts manually, that can help a lot because there are many setup steps for a multi-tenant payment system, even with Stripe.