Any offer that is accepted will stipulate that the home may not appraise and that the buyer will be required to make up the difference.

If not I would file a quiet title action & have Florida gal & current seller stipulate to the lawsuit (much faster than probate)- that should be enough for the title company.

A "stipulated agreement", which means that the judge signed it, converting it into a court order.

Then there is usually a section called SPECIAL STIPULATIONS at the end of a purchase and sale where you manually put in all the different things you want changed or don't like etc.The special stips usually have language that they override the existing printed contract and they shall control.

"Must" might be the case for some housing that is located within a community that has an association (HOA) that stipulates that you must.

Why not just write the Earnest Money stipulation that the Earnest Money is forfeited by the end-Buyer for any reason except if the Seller can't produce marketable title?

The certificate gives a conditional approval and enumerates a set of stipulations that need to be satisfied in order for the file to reach full approval. 

Are there any legal stipulations there?

This is a private agreement stipulating how loss proceeds will be treated, how endorsements are made and may be applied to the debt created.

I know the tenants are usually owed a 30 day notice and with the seller technically being the landlord until we close, they would probably have to agree to this stipulation from the get-go, which may be unappealing to them in case the contract doesn't go through.