As others have said, your lease will not protect you from federal or state law (not that the EM is law per se since even Biden has said it's unconstitutional) so your best bet is to do the things outlined.. 

So is Green Home Advisor, even if you have no interest in "green," per se. 

I've never paid SE tax!

I do not currently have Sched C income, so I need to have that prepped for, as I would now have SE tax to worry about as well.I need a certain cash flow for me to be comfortable with going forward. 

I Believe we've turned rental payments not subject to SE tax into earned income via the management company subject to SE tax.

There are legitimate reasons to structure this way, but every dollar you pay yourself as property manager is subject to 15.3% self-employment tax  if you are turning around and reducing your S Corp income so that you minimize SE taxes, you should have just left it as passive income to begin with   What was your goal here?

I am a active Realtor (and Investor) in the SE Florida south tri-county area (Miami-Dade, Broward and Palm Beach Counties). 

Look at it this way, there are many sidewinder bankers, just a crooked in their dealings and the FDIC regulates them, much can go unchecked, so you need to do your due diligence, check with other borrowers, look at how many foreclosures they have done, se what their lending activity is before you judge a foreclosure rate, ask others in RE, check the integrity of the person and the company.

@Kimberly H. while I haven't had your situation per se this is my approach.

My experience in SE Michigan (Detroit suburbs) over 5 years was terrible.