Increase cash reserves – whilst this can decrease returns it is all about being able to weather the storm, cash is king!

Your monthly expenses dont care about weather you received full or partial rent, they need to be paid.

But I don't trust anyone who hasn't weathered at least one full investing cycle. 

This investment weathered the downturn and I eventually was able to harvest my labor investment in 2018.

We had the fire department do a holiday safety talk last October, a driver's training instructor did safe driving in poor weather, with a video. 

I was interested in section 8 housing as a investment strategy with a 4-plex and a PM, but if that may be more hassle then I'll opt for the path of least resistance.

Weather you are into fix/flips or buy/holds. 

Of course, cities like Orlando attract many short term renters but wanted to touch base with anyone out there to keep an eye on specific terms or physical damages to property by weather / storms.

From a high level, you'll need to make sure you're meeting Ontario Building Code requirements for ceiling height (and allowed bulkheads), window/living space ratios, egress, zoning (you seem to be good there), insulation - as well as, of course, Fire Code requirements for multi-units (fire-resistance between units, fire-resistant closures, sprinklers, fire and CO detectors, insulation between units).

Then use a metal overlap stairnose for both durability and slip resistance.