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

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?

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

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.

Currently, she has tenants living there for 2.5 years and they have not paid rent since March 2020, protected by the Oregon Eviction Moratorium.

I am guessing you don't have tons of capital, so you aren't really "protecting" anything with and LLC and all of that stuff.