In California and Florida there are two State run plans of last resort (Cal Fair and Citizens respectively) for the otherwise uninsurable; properties that private companies have already deemed too risky and are effectively subsidized by taxpayers.

There are plenty of banks across the US that also have a stated income heloc (in the Carolinas, First Citizens will do up to $100k with no income verification). 

I am seeing a crackdown on STRs not so much as a result of any hotel lobby, but as a result of regular citizens complaining to their elected officials that they don't like living next to a hotel.Can't really blame them.

your talking Canada and commonwealth citizens you dont have this in the US. 

I am a USA citizen and do not have much knowledge or trips to Dubai, but interested in investing in Dubai Real estate. 

And then a US citizen can own them without any caveat?

Hi Juliet,If you have a US primary address and good US FICO, you should be able to get full LTV (80%) with rates on-par with US citizens with the right lender/broker.

So feel free to DM me if you think I could help.The other reason for me to reply to you is to debunk some untruths that are being circulated about international investing, as it could help all readers who bump into this thread.It's not true that many European countries require you to be a citizen or a permanent resident to invest in real estate there and certainly not in the countries that you mentioned.

For insurance in South Florida, I’ve heard good things about companies like Citizens and some specialized providers that focus on high-risk areas.

Even legal immigrants are not reliable numbers because they will/may be short-term residents and also do not have the same benefits or detriments of US citizens.