About 8 or 9 units I'm locked in around 2.75% interest rate so I'm trying to avoid that.

To capitalize on the rapid growth in the coastal metropolitan areas and the massive intrest rates right now.

I'd start by assessing their performance - compare the actuals to the airdna / bnbcalc projections, assess the ratings and reviews on the listing.

Any suggestions on where to get the best rates ? 

Hi Ayyoub Research is the key, Conduct thorough market research to understand why the competing property is listed at a lower rent, Consider any improvements or upgrades that could enhance the appeal of your property to potential tenants, If you're unable to match the lower rental rate of the competing property, consider other incentives to attract tenants, such as offering a shorter lease term, including utilities in the rent, or providing additional amenities.Hope it helps.

To make the best choice, consider your time commitment, risk tolerance, and do some research on rental rates in your target area.

I paid for the year upfront for cheaper rates, and check it weekly.

Option 1: interest rate between 10-15% with a max of 18%.

It currently just breaks even with today’s interest rates and reported expenses and therefore wouldn’t meet my requirements of being a cash flowing asset.

When my broker shopped the policy we found a slightly lower rate for same coverage.