Fyi, if you live in the US, you might actually have access to that kind of financing. Non-recourse loans for retail clients do exist in many states in the US, including California and Texas, and they're the default for all government-backed mortgages in the US [0]. But globablly speaking, they're the exception, yes. I don't know what the situation in the Bahamas is like.

[0] https://www.bankrate.com/loans/recourse-loan/