There are many factors to consider, I drop some here: 1) being new, need to build your reputation and have no repeating customers2) Miami has had an overflow of STRs buildings and "illegal" inventory: investors who bought new condos allowing STR with loans to pay, tend to lower the price to get bookings.

Upper Unit got broken in and they stole the new hotwater heater, new appliances, and air conditioner..... damage flooded upstairs and downstairs units.4.

There is a good reason a reputable lender will and rightfully has the ability to charge 2-2.50% 3.

It is good practice in assessing STR potential and performance by combining personal research and rental experiences (rates and dates) with at least one local reputable Property Management company rental revenue estimate. 

We had major problems with Airbnb and VRBO not covering damages to the home after many phone calls and being on hold for hours switching back and forth to many different people.

How does federal tax exemptions or reductin for hurricane damages work?

Reputation Most lenders that I work with have excellent and honest reviews on Google.

If this is seen as advertising or not allowed, sorry in advance, but I haven't seen a real life 0% down payment in quite a while, and Navy Federal is reputable, so thought those of you starting out would benefit from knowing there is actually one out there.

Its a necessary repair...inconvenient but necessary. 3 days to do a shower that has water damage in not excessive at all...dont be shocked if its more once them demo and find more damage

A leak causing water to flow under the sub-floor and into the crawlspace can lead to significant structural issues if not addressed promptly, and you’d likely need a plumber and possibly a contractor to assess and fix the damage.