Like you mentioned Wise often offer better exchange rates and lower fees than a bank.

Next option would be refinance lower say $850,000 cash out about $75,000 and cash flow $5500 per month. 

Are you seeing any lower rents?

I recently considered switching to KeyCheck but decided to stick with RR for two important reasons: 1) RR allows for weekly rent collection, which is recommended by my real estate attorney, and 2) RR has lower credit card processing fees for tenants.

I wouldn't go for a condo, as the HOA fees and restrictions could affect your ability to rent it out, and the resale value will always be lower than a comparable SFR.

House A has a lower (but still high) wind storm deductible at 1%, while house B has a 5% deductible, and no one is occupying it as it was just closed.

So if you are currently in the 37% tax bracket then you could take advantage of deferred taxes + a lower tax bracket.

The only way to modify a loan to a lower payment during a time of rising rates is to move a bunch of principal to the back of the loan.

Is there an lower cost alternative to granite / quartz kitchen countertops that is still suitable for an STR?   

As Stuart mentioned, it gets even tougher with lower price point homes.