Also, he could have done well in a different rate environment.I am not sure why you feel the need to comment on comments, but I would find better things to do with your time.

Nashville sucks for house hacking as most of these properties can barley cashflow anything above a positive cap rate.

This will be done as a "rate/term" transaction, so better rates than a cashout transaction. 

I believe they can even provide discounted legal advice.

"for $___/year, we provide "x" additional inspections")6) Liability policy that covers tenant intentional damage, criminal acts, and unpaid rent when skipped or evicted (through insurance provider that provides this kind of coverage)7) Financial reports per quarter (as whatever period makes sense to you) (this can allow you to advise the owner on the health of their portfolio)8) End-of-year review of the property to show conditions and suggested needed and preventative maintenance items 9) Preferred vendor discounts (requires a contract with a vendor to give better pricing)10) Eviction protection programs (this is usually done "in house" when you have sufficient number of units under your management to be able to offer this kind of program)11) Legal services (requires agreement with landlord attorney to provide those services at set fees)12) Professional photos option (for enhanced listing)13) Professional, licensed home inspection (this is more relevant for older homes to ensure safety and habitability are addressed) 14) HVAC filter replacement program (this can also be a program offered to tenants)15) Pet and ESA screening through pet screening vendor (helps to streamline and increase quality of screening)16) Client portal account for ease of communication, updates, reports, etc.

This lender wants 75% LTV one quarter, and boom you blink and they want 55% LTV, or their rates jump up all of a sudden.

I would hate to lose the lower rate loan and not be thrilled to give up the prop 13 savings.

My current mortgage payment is around 2700 with interest rate of 7.15

This is caused by many years of low interest rates, high construction costs & supply shortages, along with high demand from millennials buying first and move-up homes at the same time baby boomers want to downsize. 

Either could make you more money but dependent on market conditions, location, timeline, roadbumps, rates, etc.....