I had somewhat similar issue and found that I had a leak(s) around the exterior door and window frames, is spite of annual caulking.
In my case, the pink wool insulation in the floor was wet and could not dry out, hence the premature wood rot.
I had to pull the floor and replace the area.
While I was at it, I replaced the "wool" with pink Styrofoam.
Your mileage may differ.
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