Anyone can suggest in Florida, Tampa or Orlando area that does tax strategies and asset protection.

I don't have funds for the roof, or to replace the outside supporting wall frame and stucco.However the bank has changed the locks on me multiple times to "protect their asset", which got me wondering, would they also put a new roof on it and repair the rot to protect their asset?

Deal structure is very important so that you have enough equity protection to secure your principal loan amount.

Therefore, the walls supporting the floor/ceiling also need to be protected. 1 hr. walls, so 45 minute doors and windows, I think.

This isn't like a court battle where everybody has their back up against the wall ... trustee and lender may be willing to work with you.As the property owner you have the right to protect your interest by reinstating the existing loan, that's not to say the lender, after reinstatement, can't start a new foreclosure based on a violation of the due-on-sale clause, but may not. 

Money order is an added protection for the tenant because when the payment platform is hacked and everybody’s information is stolen, the tenant’s information won’t be there and therefore cannot get stolen.Look at the agreement documents the platform forces you/tenant to sign.

Also consider putting the property in an LLC for asset protection.

If you are concerned about protecting principal and the next downturn hits, you will want to confine yourself to these types of loans.

I know some people that have property free and clear don't care if they lose it and only carry liabliity insurance to protect against accidents on the property, medical or legal bills, etc.Do I have no other recourse but to carry full coverage?

If the goal is for asset protection then you would want to form a LLC and subsidiaries if you have more properties.