Trying to figure out creative ways to get some of my money back out without a delay caused by underwriting criteria.

With judicial foreclosures, it is not so clear.Sometimes, the guardian ad litem appointed by the court must continuously ask the plaintiff's lawyer for information required by law but not voluntarily included in the initial pleadings package.

If the city ever shows up (either called by a neighbor, or checking out another permit project on your property) you could get red-flagged and shut down.

You may want to get some ideas by attending your local real estate investment club to see if anyone has ever done this before and their thoughts. 

I started by placing my 1st rental property into an LLC (for this example, *JOHN SMITH PROPERTY INVESTMENT, LLC*).

In regards to the utilities being less, even if being metered separately, do you mean it would be less monetarily bc there are less site visits by said utilities installers therefor less charges?

If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

I purchased those properties by saving the downpayment.

By happenstance the lender I work for treats the territory like a mainland loan (think Hawaii) and almost all conventional programs are available and even priced accordingly. 

You do this by calling the foreclosing attorney (or checking their website).