OP - It is “fair” to be able to take electives at your school but top schools don’t want to see that at the expense of core subject areas. You are asking specifically about three very competitive schools (especially for OOS for UMich and UVA and they are going to want to see 4 years of courses in all subject areas.
Again, you also need to talk to your guidance counselor to see if your specific schedule is going to be marked “most rigorous”. If it’s not, I would rethink your plan.
You asked the question about if your courses are rigorous enough for those three schools. IMO, the answer is ‘no’, not right now. The good news is that you are a sophomore and have plenty of time to correct that.
Get at least 3 years of FL (4 for ND)
3-4 years of history
4 years of english
4 years of science (bio, chem, physics and then an AP in one of those three disciplines)
4 years of math (which you have)
These are the core and priority courses. If you have space, take your electives. If not, you are putting yourself at a distinct disadvantage for competitive colleges.