I am wondering if you are making some assumptions that just aren't true. 

The floor joists are true dimensional 2x8.

If I were a decent renter shopping in that neighborhood, I would choose that brick building over yours every time. 

It will hit hard on renewal and shopping for a new carrier.

I'm currently pre-approved but my lender gave me a "mid-level rate" which I believe isn't my actual rate since I haven't chosen a property but me not being as educated on the behalf and thinking it was my actual rate I decided to rate shop a bit.

Need so much more info to actually be able to shop rates  :) 

This facility has 144 Units and a 3400sqft shop house on the property.

I'd list them simultaneously & just getting bookings no matter which platform it's from.I hated ABNB when I had STRs.... true, their platform was more advanced while VRBOs felt kinda 'clunky' (for lack of a better word).

Since this is a post about our loan shop, I'll highlight that we are a small loan shop (30 employees), family-owned just trying to get more clients by placing their loans well and treating customers well.

@Chris Seveney I remember when cupcakes shops were popping up everywhere and were a big thing.Then, poof, most of them were gone!