One thing you can try is significantly reducing the rate for the off season. 

A strong credit score, reliable income, and solid financial history reduce risk in the eyes of a lender.

Preferably built after 2000 because of reduced maintenance (am I being too picky?).

By proactively planning how your investments are taxed, you can significantly reduce your overall tax burden and position yourself for greater financial flexibility.Equally important is establishing a strong asset protection plan.

Quote from @Gash Nookala: I am seeing many homes reducing the listing prices in San Diego and other areas. 

@William MillerIf you have a full-time W2 job and are single, none of what you listed is going to reduce your current taxes.

In March, Zimbaluk's company commissioned a study of Canadian consumers that found about 75% plan to cancel or reduce their travel plans to the U.S.That impacted Flair's service out of Phoenix.Another Canadian ultra-low-cost carrier, Lynx Air, went out of business in February 2024.

Typically, we don't see a worthwhile gain for most loans unless you can reduce the interest rate by between 1.5-2.0%.   

Likely to remain here and rent (reducing our housing costs by 50%!)

That’s a huge first step in reducing the gain.Adjusted Cost Basis: Your purchase price ($920K) plus capital improvements ($150K in verifiable receipts) gives you a basis of around $1.07M.