I do not want to change the loan terms, only the % interest rates. 

I see the long term prospects being very bullish for Ft Myers and Cape Coral.  

In your long-term rentals, which do you prefer and why? 

Additionally, the federal ITC allows you to deduct a percentage of the cost of installing a solar energy system from your federal taxes.Long-Term Savings: Solar energy can lead to substantial long-term savings on electricity bills.

Renting by the room is almost like running a Bed & Breakfast or hotel except for longer term stays which is why they often are not allowed in R-1 residential neighborhoods.

Which is more rent reliable, best growing, both for cash flow and long term appreciation?

I would say if you do post it be as detailed as possible minus borrower info re: what's the collateral exactly (estimated value, condition, etc), outstanding balance, state where it's held, terms, performing or non, 1st or 2nd position, payment amount and what you're asking price wise.

I heard about Hostaway on a Short Term Show podcast but see on here that Hospitable is the most recommended although the few that list Hostaway are very positive. 

How does that compare to keeping it as a long-term rental?

This one IS zoned for short-term rental.