. - inflation adjusted rent (might be a pretty good plus in the years to come). 

The appraiser must report the basement or other partially below-grade areas separately and make appropriate adjustments for them on the “basement and finished areas below-grade” line in the “sales comparison analysis” grid."

Is there an adjustment done by title at closing?

Is the rate fixed for 5 years or does it adjust after 5 years?

I made the adjustments you suggested and it certainly changes things.

While I don't have specific feedback as to how to get a person's ear, if your approach isn't working, clearly make an adjustment. 

Also, as our real-estate "empire" has grown, we've made some adjustments. 

It's an adjustable loan so the goal is to get a fixed loan.

No, there isn't BUT yes, changes are happening, a person must pivot and adjust in rapid manner, again that is my "jamb", I am called a deal engineer for a reason. 

As soon as you bring leverage into the discussion you’re changing the risk adjusted return.