Even my local to me clients - 95% of them we never meet in person each year.  

LLC, S-Corp, etc) that files a tax return or do you own it in your personal name and report rental income on IRS Schedule E? 

That means more expensive and less profitable and, personally, I wouldn't invest there because of the sargassum issue but you might care less about it because of the lifestyle component in your case.4.

What does that have to do with a personal refi loan in my name?

You got bad advice from your prior accountant.You received rental income and it should have been reported.it seems like maybe he was lazy and/or doesn't understand rental concepts.The only exception is if he is paying 'under-market' for rent in which case the property would be considered personal use.I would fix the issue and charge him market rent. 

I have a Series LLC I use to collect income for my consulting business, but the income goes to my personal checking account.

I did some brrrr’s out of my geographical area a couple years back, and I’m starting to regret it.For one a person is at the mercy of the Contractor long distance.

I do agree that you need to go in person to see what is going on.

Did a "hard money loan" with family using gift tax exemption and trust as collateral (despite what Dave Ramsey says, my father and I have an incredibly strong investing and personal relationship).

Life is too short to have to put up with these kinds of people in this business, even though this may cause you a short-term interruption in revenue.