If they are going to cover business activity, you can bet your bottom dollar that the insurer will review all of your practices and procedures in order to determine whether you are doing things safely and in a law-abiding manner (see above, first paragraph).So yes, get plenty of insurance, and a corporate entity between you and your adoring public may be most convenient (consult your lawyer as to whether and what type).

I would suggest talking to a lawyer in regards to the entity question because they'd be able to tailor what best suits your needs given your situation. 

Hey , I am happy to connect you with a NYC based lawyer who can help.

Go to a lawyer and ask them for advice. 

The earnings tax applies to both residents and non-residents who work or operate a business in the city.If your LLC is generating income from rental properties located in Kansas City and you are considered to be conducting business activities in the city, then it is likely that your LLC would be subject to the earnings tax.I would still consult a tax professional or a lawyer who is more familiar with these laws. 

But I suspect in most cases, when the heirs can’t pay the taxes, they can’t pay 50k+ upfront for retainers for the lawyers to challenge the sale.

Lawyer advised this could be considered an emergency situation so I "could" enter without notice. 

Very high probability that sometime in the future you will need to put those fees towards the lawyer fees / collections - unplanned turnover, etc., 

You’ll meet many lenders, lawyers, and service providers in all shapes and sizes.

After I get the photos, I really just need to consult with a lawyer or someone to give me advice on my lease.