However you do have a new government that seems committed to cutting costs, cutting defense spending, and getting us out of wartime efforts. 

In my experience, you are thinking through this correctly.I've heard lawyers say, if the loan is in your name (which it has to be for conventional) and the deed is in the LLC, you aren't treating the business as an independent entity and in a severe lawsuit, the corporate veil is pierced and the LLC can be thrown out.I agree that one of the best defenses is to run your properties well. 

One small word in defense of retrospection. 

Insurance is the FIRST line of defense.  

What is being confused in there is some of the lost note affirmative defenses that have come up in foreclosure suits along with a gross misunderstanding of the ramifications of the "Robo-Signing" of 2010.

I get my rent checks via Chase QuickPay, home warranties on ALL properties so I am not the first line of defense.  

And might be everyone, like your employee, your mother, your friend or even yourself.Human is, and will always be, the weakest link of your defense line.

The local branch manager got involved, couldn't understand what I was explaining either, didn't want to admit it, and got defensive and shut down when I tried having my attorney explain it to her in a different way.

The existence of a contract -- I agree with you on this -- may be a complete defense to such a claim. 

And person A had defense of "it was not on our property.