Maybe I'm the first person to say this because it's so obvious to everyone else: make sure you can survive 10 years in a property - getting foreclosed on in year 4/5 wouldn't constitute a good deal in my book.

Paragraph (c) of Article X, Section 4 of the Florida Constitution prevents the married owner of protected homestead property from conveying, encumbering, or otherwise alienating that property without the consent of the owner's spouse, and also prohibits the owner from devising that property if the owner is survived by a spouse or minor child."

A lease over two years violates the DOS.Frankly, what constitutes a conveyance of an equitable interest that may cloud title will be what a lender says it is, as they can proceed and the only way to stop them is a counter suit for a judicial process or paying off the loan.I'd be calling the state insurance commissioner, the state AG as it sounds an agent is pulling your leg.

For example, employer match does not constitute a "return".

This is your constitutional right, however much code officials would like you not to know it and try and bully you.

The Constitution gives them the right to do so.

Showing these photos to a private individual constitutes some type of ethical breach of conditionality, correct.

There is no official designation of what constitutes a hard money lender or a private lender. 

If property managers keep getting backed into a corner, at some point is there a constitutional limit as to how far you can be regulated? 

IF that constitutes a win for me then GREAT!