Here in Richmond, Virginia we use a company called Stop Loss. 

If you have ever been confused as to why a big decrease or increase in CPI didn’t seem to move things, this is probably why.Jobs reportAnother key monthly economic data release from the BLS that can greatly affect interest rates is the jobs report, which estimates how many overall jobs (nonfarm payroll employment) were added or subtracted in the prior month, as well as a calculation of the unemployment rate.In 2024, this report may have overtaken CPI as the biggest market mover, as many financial experts expect the Fed to potentially cut rates if large job losses occur and the unemployment rate spikes, even if inflation had not yet returned to the 2% target.These reports are typically released on Friday mornings, also at 8:30 a.m.

To mitigate this risk without using an LLC, consider:Umbrella Insurance: This provides additional liability coverage beyond your standard homeowners insurance.Equity Stripping: This involves placing a lien on the property to make it less attractive to potential creditors.Land Trusts: These can provide some anonymity and protection while allowing you to maintain personal ownership.Insurance:Ensure you have comprehensive insurance coverage, including:Property insuranceLiability insuranceFlood insurance (especially important in Florida)Loss of income insuranceLegal Structures:While you've decided against using an LLC, consider consulting with a local attorney specializing in real estate investments to explore other potential legal structures that might offer protection without the tax implications you're trying to avoid.Property Management:Given that you're based in Europe, consider hiring a professional property management company to handle day-to-day operations, tenant screening, and maintenance issues.Market Research:Thoroughly research the specific areas in Florida where you plan to invest.

>>Here is what you need to do:- Prepare Worksheet for stock gain and loss sales and 8949, the worksheet is available from brokers , it's another form that calculate cost basis but it's not tax form.

Your state laws control, but the loss value to the materials will be based on fair market value.

May want to look into NonQM loans, such as a profit and loss only loan, 12 month bank statement loan, or 1099 only loan if you have trouble showing income 

By next year, most “houses” that were converted to short term rentals will no longer be rentable as a short term rental, owners will be better off selling or renting long term, even if it’s at a loss it will be less of a loss than leaving empty or selling.cabins that have been pillaged and not maintained will likely not rent short term except during peak times, perhaps 30 percent occupancy.

Whether it’s hurricanes, tornadoes, wildfires, or just flooding the losses the insurance companies are seeing over the past 5-10 years are huge.

These policies are typically more expensive and cover way less in the case of a loss.

Cut your losses admittedly I dont know your market so .....