Consolidate audit-fixes branch: webhooks, integrations, and deploy hardening

Batch commit of the pending working tree on security/audit-fixes-2026-07.
Major areas:
- Outbound webhooks / Zapier: schema + signed delivery with retries, public
  v1 API (REST-hook subscribe/unsubscribe), settings UI, cron drain.
- Deploy hardening: email via SMTP2GO (Resend fully removed), verified DB TLS
  (DATABASE_SSL=require + DATABASE_CA), storage fails loud in production when
  Spaces is unconfigured instead of silently using ephemeral disk.
- Integrations & features (concurrent work): accounting (QuickBooks/Xero),
  e-signature (DocuSign/Dropbox Sign), PayPal, geocoding/maps, onboarding,
  expanded legal pages.
- DB migrations 0006–0009.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

app/api/rent/route.ts

@@ -5,11 +5,15 @@ import { rent_payments } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
 import { rentPaymentSchema } from "@/lib/validations"
 import { ownsProperty, ownsUnit, ownsTenant } from "@/lib/db/ownership"
+import { getEffectiveOwnerId, getAccountContext } from "@/lib/account"
+import { emitWebhookEvent } from "@/lib/webhooks/emit"
 
 export async function GET(request: Request) {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   const { searchParams } = new URL(request.url)
   const status = searchParams.get("status")
   const tenantId = searchParams.get("tenant_id")
@@ -18,7 +22,7 @@ export async function GET(request: Request) {
   const offset = (page - 1) * limit
 
   const where = and(
-    eq(rent_payments.user_id, user.id),
+    eq(rent_payments.user_id, ownerId),
     status ? eq(rent_payments.status, status as typeof rent_payments.$inferSelect.status) : undefined,
     tenantId ? eq(rent_payments.tenant_id, tenantId) : undefined
   )
@@ -45,22 +49,32 @@ export async function POST(request: Request) {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ctx = await getAccountContext(user.id)
+  const ownerId = ctx.ownerId
+  if (!ctx.canWrite) return NextResponse.json({ error: "Forbidden" }, { status: 403 })
+
   const body = await request.json()
   const parsed = rentPaymentSchema.safeParse(body)
   if (!parsed.success) return NextResponse.json({ error: parsed.error.flatten() }, { status: 400 })
 
   if (
-    !(await ownsProperty(user.id, parsed.data.property_id)) ||
-    !(await ownsUnit(user.id, parsed.data.unit_id)) ||
-    !(await ownsTenant(user.id, parsed.data.tenant_id))
+    !(await ownsProperty(ownerId, parsed.data.property_id)) ||
+    !(await ownsUnit(ownerId, parsed.data.unit_id)) ||
+    !(await ownsTenant(ownerId, parsed.data.tenant_id))
   ) {
     return NextResponse.json({ error: "Invalid reference" }, { status: 403 })
   }
 
   const [data] = await db
     .insert(rent_payments)
-    .values({ ...parsed.data, user_id: user.id })
+    .values({ ...parsed.data, user_id: ownerId })
     .returning()
 
+  await emitWebhookEvent({ ownerId, event: "payment.recorded", data: { payment: data } })
+  // A payment created already in the "paid" state also fires payment.paid.
+  if (data.status === "paid") {
+    await emitWebhookEvent({ ownerId, event: "payment.paid", data: { payment: data } })
+  }
+
   return NextResponse.json(data, { status: 201 })
 }