Jonathan, good question.
While your intent may not be to circumvent foreclosure laws – Florida is a judicial foreclosure state – the reality is this is exactly what you would be doing.
In your shoes, if I’m selling and giving owner financing, I give the Warranty Deed – the buyer owns the property. I get a Purchase Money Note and Security Deed (I’m in Georgia, which is a non-judicial foreclosure state). All docs get recorded.
You may want to consider doing a Land Contract.
I have a friend in Florida, Jack Shea, that teaches folks to put a property in a land trust and then sell the buyer the beneficial interest in the land trust, not the property itself. This way, if the buyer defaults, because beneficial interest is personal property and not real property, no foreclosure is done.
I’ve never tried Shea’s method.
Hope this helps.