There is a lot of water intrusion into the basement in heavy rain.

The delta variant and other states potentially locking down coupled with the midtown and water street development will further propel STR travel.Kristina KubaKeller Williams Tampa Central

Is the property in a flood zone?

or, as another commenter said, it may indeed just need the subfloor replaced, but i'm guessing there is a water leak if it's just rot - roof leak or burst water pipe under the floor. 

The electric is already separated into 3 meters plus a extra meter just for the water heaters that I will pay, of course I will pay the airbnb one as well.  

Tenants pay water/sewer/yard maintenance/trash/electrical.

Mine includes roof, floors, hvac, appliances, hot water heater, exterior painting, etc. 

NFIP 2.0 - What’s Changing with National Flood Insurance and Why You Should Care.It’s been a long time coming, but reform to the National Flood Insurance Program (NFIP) is on the way.Risk Rating 2.0 (that’s how we Flood Nerd-types refer to the reform) isn’t a complete government policy re-boot and it’s going to change the flood insurance market.

.- They are as close to identical as possible in style, condition, age, location, beds, baths, living area, acreage, garage and basement specs, town vs private utilities, flood zones, etc.Finally, I'd like to be sure that the agent hasn't run automated comps. 

One had a special assessment costing me 27k alone to replace all the water pipes.