This helps prevent all of those one-off trips to the property to show it.

How can i prevent him from making her take a cash-out refinance, HELOC etc? 

I have seen a few condos that do not have "rental restrictions" but if you read their declarations it says no restrictions on leases that are more than 30 days, meaning they have a restriction and a right to enforce and prevent short term rentals(AirBnB).

Also, in my experience being kind and respectful as opposed to cold/letter of the law, prevents a large amount of retaliatory activity.

They can also show you flood maps, changes in upstream flood prevention work, and proposed changes. 

Lastly, emergency / cold weather manual or notice goes to all tenants on what to do , when snow removal is coming, keep temp extra high to prevent freezing pipes. 

Also, has she prevented you from increasing rent in 4 years? 

That will educate you and prevent frustration the next time an issue occurs.

@Paul Sandhu I wish I could; chronic back issues and working overtime prevent that.

The lease give you use of the property and the Option prevents your partner from selling to someone else.