While it may pencil out on paper to do one option over the other using simple math I would urge you to think big picture as well.

If they are paying out 5% rates to their customers to relend out they usually need at least 150 spread to make any money.CMBS and LIfe Insurance can be lower on the interest rates but you can get yield maintenance or defeasance which is very expensive if you want to break the loan early.

I think your being in Florida may not give you the full picture here. 

Make sure that you have a clear case for all of those repairs: before and after pictures, move-in form, etc The more evidence you have against them, the easier it will be to proof if they decide that they don't agree with your deduction. 

Half of my portfolio is OOS, and I haven’t seen most of those, even after 10 yrs, but I get trusted people to take pictures and I send specialized trades (plumbers always and sometimes electricians) during DD period.

But for sure have an agent that is local do a drive by snap some pictures and give you a price assessment to see where your at. 

it seems like the potential buyer might want to have you put in some spec items that you normally do not offer to customers. 

Do one task at a time in each app to compare apples to apples.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.

US Prime Rate is used by consumers – it is the rate at which banks lend to their best customers."

Do I take pictures of everything before renting in case there are damages when the lease ends?