I'm just starting out with a STR and I'm in the process of vetting companies for tax strategy and asset protection. 

Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

A lot of area looks barely touched and then of course you have devastation in Fort Meyers Beach. https://storms.ngs.noaa.gov/st...My first concern is with the people who are suffering, but of course we have to think of our investments as well.

Good tenants help you protect your investment.

Quote from @Anthony Therrien-Bernard: Quote from @Kyle Mccaw: @Rafael Valdor You’re absolutely right to prioritize tenant screening—it's one of the most critical aspects of protecting your investment.

. ;-) There is nothing false wiih what @Henry Clark said.Commercial real estate is broad - Office space, self-storage, Farm, Data centers, residential properties above 4 units, etcIt can be true that one part of commercial real estate is suffering while others is thriving.

Lenders often have strict policies when a property is in a FEMA-designated disaster area to protect their risk, even if the property isn’t directly impacted.

I hope you are working with an excellent agent or broker, they can create leverage and opportunity for you while protecting your interest. 

Handle this promptly to protect the owner’s interests.

They're not stuck as in "there are no other options", they're stuck as in "there are cheaper, crappier options but we'd have to pack up our entire lives and deal with the other expenses/headaches that come with moving so I guess we might as well just suffer with the increase".