I'm not saying that I'd necessarily buy either and I don't own either, but that is what I saw when looking into it.You are both also spot on IMO to be highly skeptical of Universal Life Insurance as well as the $2k "refundable" retainer fee.

It was a sunny day with blue skies and a slight breeze.

They are able to spot potential problems and can also give you a cost to repair.So that brings me to the question of which one should I hire?

Well the inspection is complete today , it was postpone until today so I could get into each unit... there are major damages to the exterior of the property. bowing brick facing, roof replacing, electrical problems, furnace problems, termites, omg on and on and on,let alone the fact that all tenants claim they put up a  security deposit one claiming 2 months, There was so much but looking on the surface the place looked really good ,,When I was told about due diligence that was spot on, getting a professional inspection is worth it because I would not have known until it was to late and to late is after closing when I would own all of these problems

Never bought an old 2/1 that didn't have a few spongy floor spots.

Bob is spot on with this explanation.

I don't know enough about Tampa but that may be another good spot with an Air Force presence.  

A cabinet over the stove with a microwave outlet is a great spot.  

There is a sweet spot with house hacking homes where you can afford to pay a little more than.

In Charleston we have been buying spot and 3 to 5 here and there.. so have 11 going there.