A title company in my area charges $20 a month and you can make your payment directly to them and they will pay the seller/mortgage holder.

Since you're not getting a listing agreement and selling the property for an owner, your Broker wouldn't be entitled to anything since you're not making a commission on the sale of the property.The final question revolves around your responsibility as a license holder.

As a flipper, do I need to be an additional insured on the GC insurance AND listed as a “certificate holder”.

yes, you still have a closing and the title is put in your name, however they will be the mortgage holder

That I know of usually by the time the property has gone or is scheduled for a trustee sale the mortgage holders have already given the owner ample warning and opportunity to bring the loan payments current.

When you sell and you owe on the property, the title/closing company will request a payoff statement from your mortgage holder. 

He/she can direct you to the flip deal, make cash on the sale, and then double-dip on the sale back to him as a buy-n-holder, or in reverse, they might be flippers and you can get them to spec you a perfect buy-in-hold rental, You'll probably make a bit less but  deals will come faster for both of you

The mortgage lien holder has not notified the Seller that he is accelerating the note, nor has he filed any FORECLOSURE PROCEEDINGS to collect on the note.

In her case, she was able to contest the 2nd lien and was able to get this ruled in her favor, due to negligence of account tracking by the lien holder. 

If a junior lien holder is not notified of the sale, their lien is not wiped out.Its your call.