Since I'm in Florida I found they don't write policies in some areas.  

You won't like what you see.It's is a very rare to non-existent HML that will loan 100% without a prior relationship and extensive dealings with them.

If the goal is risk mitigation, and your exposure isn't huge (maybe you have a property or two and are just starting out in life), some investors will go the insurance route and choose a large umbrella policy over forming one or more LLCs.

Imagine if 20-30% of the buying transactions disappeared, and that's a good picture of what life would be like in a stricter system in those countries that you mentioned.These subsidized loans happens largely because US social policy is mostly non-existent towards public housing or rent subsidies when compared to those other home-owning countries.

I work with a builder if you're interested in buying some lots and building and selling prior to the home is completed for a nice profit.https://ajames.leadpages.net/what-is-your-home-work-early-bonus/

My prior career involved project management, working with people, and problem solving.

I get an invoice from the title insurance company that lists the cost for an owners policy and a sellers policy.  

This should have been addressed prior to funding as you and your agent both dropped the ball.

Tell them prior to them coming.

Please remember that for many people, if an asset isn't sold before 2 years prior to needing to engage Medicaid/Medicare for nursing homes that assets can be seized to handle these costs.