Financial Planning

Your Insurer Dropped Your Florida Rental — Now What?

A carrier just dropped your Orlando or Tampa rental. Here's the exact order to shop new coverage, why you can't let it lapse, and where Citizens actually fits.

Loss of Rental Income Coverage: The Florida Insurance Line That Pays You When No One's Paying Rent

Your dwelling policy rebuilds the drywall. It doesn't replace the rent you lose while the unit sits empty for repairs. Here's the Florida coverage line most landlords never check — and how a single storm exposes it.

Cost Segregation for Florida Rental Properties: Is It Worth It?

A cost-segregation study can move years of depreciation into your first year of ownership. But it isn't for every Florida landlord. Here's the honest math on when it pays and when it doesn't.

Mortgage Rates and Florida Rental Demand in 2026: Why Renters Aren't Buying

High mortgage rates are putting a floor under Florida rental demand. Here's why your single-family rental keeps leasing even as the apartment market softens — and why you shouldn't panic-cut rent.

Do You Pay Income Tax on Rental Income in Florida?

Florida has no state income tax, so a lot of new landlords think rental income is tax-free. It is not. Here is what you actually owe, and why the number is usually smaller than you fear.

Snowbird Rentals: Furnished Winter Leases in Florida

Furnished winter leases to snowbirds can out-earn a 12-month lease — if you get the rate, the off-season gap, and Florida's 6-month tax line right.

Condo Special Assessments in Florida: What Landlords Must Know

Since the Surfside reforms, Florida condo special assessments have gotten large and common — and as the unit owner, you owe them, not your tenant. Here's how to handle them.

Renting to Family in Florida: What to Put in Writing

Renting a Florida property to a relative? A written, at-market lease is what protects your tax deductions — here's exactly what to put in writing.

How to Price a Florida Rental in a Softening Market

In a softening market, the wrong rent number costs more than most Florida landlords realize. Here's how to price a rental so it leases fast and protects your bottom line.

The Florida Landlord Tax Deductions Most CPAs Miss

Most Florida landlords with 1–4 units leave $3,000–$8,000 in deductions on the table every year. Here are the five most commonly missed — and the Florida-specific rules your CPA probably doesn't know about.

Repair vs. Replace: A Florida Landlord's Decision Guide

Should you fix that rental fridge or buy a new one? The 50% rule decides it — but in Florida you have to move the math, because appliances here die years early.

Rental Property Bookkeeping: The Florida Landlord's Monthly System

The landlords who lose money usually lose it through sloppy records. Here's what to track, how long to keep it, and the Florida-specific rules that trip up even experienced property owners.

Rental Property Depreciation: The Florida Landlord's Tax Guide

Depreciation is the biggest tax benefit for Florida rental owners. How the 27.5-year schedule works, when cost segregation pays, and what recapture costs.

Short-Term vs. Long-Term Rental Tax: Florida's Two Tax Worlds

STR tax obligations: 6% FL sales tax plus tourist development tax by county. LTR: no sales tax. Platform collection, filing, and penalties for non-compliance.