Like @Michael Baum and @John Underwood said, this is a highly competitive area and I don't typically recommend going into a neighborhood that isnt a resort.

From Florida's largest insurer - as well as the one of last resort, Citizens Property Insurance:  "When a roof replacement is required, and a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage." 

The package includes:- 3 nights at a 5-star, all-inclusive resort - All food and drink- Access to 3 keynotes and 60+ speakers and breakout sessions and guided networking - 3 evening events - Networking breakfast x2 and Networking lunch x2- Access to the exhibit hall, and more! 

Your state has a market of last resort called the Indianna FAIR plan that may  write it.  

One was just acquired, the other is top of its market in a resort town.

I have a STR house in a resort town, but the city’s new stricter policies have really cut into my revenue.

Almost residential resorts.

Both Prosper and Lending Club offer loans big enough to cover your 50% down payment.Something I would never recommend to most people, but as a last resort -- if you absolutely knew you COULD pay it off any time you wanted, you could put the down payment or at least a big chunk of it on a credit card and float it between 0% balance transfer offers until you get it paid off.

DO you want to be near all the attractions like resorts and malls?

Unlike your rental, my rental is in Orlando in a gated resort, so there are less outdoor space but lots of community facilities.