If you have a potential tenant that "might not" be a good payer, just don't sign a lease. 

See what the $19k was for first, it may have been neccessary, but still that does not make it ok for them to do it without a signed CO.You can ask an attorney a few questions using sites like Avvo or Rocket for not much $$$.

And I have a tenant locked in for a year at $1400 (they signed a year lease right before the house was put on the market in December).

I would advise running your rents conservatively and vet property managers properly before signing anything.

Investment is just one piece of the puzzle, actually knowing how to handle the cash flows and structure asset types can be just as important.I am glad you are recommending Momentum because I was trying to decide whether or not to sign up.

My bigger question is: do people NOT have an attorney review what they sign before they sign it.

Also, if you approve them, make sure she is on the lease, and signs any rules and regulations you have. 

An example of one package we have is a Romantic Package - $199. 12 Balloons (buy the helium tanks and keep balloons on site for your team or use a local shop)Rose Petal Entry Way (bought off Amazon)2 Dozen Roses (local grocery store for $10-15 each dozen)Led Candle Display (bought off amazon and reusable)I Heart U Signs (amazon and reusable)Champagne (or wine if they want)This equals around $60-70 each time and we pay our cleaner $40 to set up.

I took out a loan with one of my friends, wrote up a loan agreement contract that we both signed and paid him the interest on a property early last year. 

Might have a tenant that will sign a ten year lease and drop some money into the space.