I’m a professional civil engineer with years of experience in construction and entrepreneurship.

Also turns out we had some important mail go there etc… so civil correspondence ended up worth it.  

But wouldn't this be criminal not civil?

Quote from @Jeremy Dugan: I am a US Air Force and Massachusetts Air National Guard veteran with 20-years of experience as a military Civil Engineer.

An attorney that only does litigation or maritime law, not so good.

Umbrella Policies are good, but they are not an asset protection tool, they only cover litigation/damages after you’re already in litigation or found personally liable.

Business owners won't want to get tied up in litigation and if there is a good chance they will lose, it is easier to simply follow the contract.How would that work with a lower-end tenant? 

The police love to claim it's a "civil matter" so they won't have to spend time and energy on it. 

It is my understanding that the LLC and DSCR loan being in the LLC still protect us if we were to get into any type of litigation with renters but wanted to open it up and see if there are any watch outs I am not aware of?

Put a lien on the property(s) they own, this is needed by some court action (i.e. lawsuit in civil/criminal court)