Can someone please recommend me a good insurance company that covers lost rental income preferably in Florida.I would really like to know how you guys survived the Pandemic since there were Lockdowns and many people lost their Jobs and thus could not pay rent.I know many well established companies that did not survive it.There are speculations that we could go back to those dark days, and it could lead to loss of rental income.

Pandemics aren't the only things that can shut down tourism.

Except you've been doing it since the 90's and we started with our first house in 2020 in the middle of a pandemic, LOL. 

Interest rates in Brazil are maintained artificially low because of the pandemic but Brazil's central bank is forecasting that it'll increase rates back by 4% by 2023, which would be bringing mortgage rates back to 11%, making the use of leverage even less profitable.So, again, short-term rentals can make sense because you can get a much higher rental income.

Most of us saw record occupancy and nightly rates during the pandemic.

Hey there, I love your predicament because I am currently facing a similar situation, but I will offer my thought and what is motivating my decision. hopefully this could be helpful.we bought during the pandemic and locked in 2.25% rate. last thing I want to do is mess this rate. now with appreciation of almost $200,000 I am wondering what to do especially having created a new llc to focus on STR, flips,BRRRR and home maintenance. in taking this decision I believe you should consider location, which I think from your writeup suggest it's a strong area in terms of appreciation. next question is what market are you looking to invest in STR?

Rent increases were hot right after the pandemic and they've cooled down slightly but I feel they are still strong relative to the increase in price for the properties.

They have been fairly good tenets and paid on time every time even through the pandemic.

Pre-pandemic maybe ?

The baseline SFH price in coastal markets is much higher than it was pre-pandemic, with remote work making it that much easier to live in a "vacation" market.