For the most part, PMI will be required if you put less than 20% down no matter how many homes you've owned.
As Alma pointed out, USDA loans do not require monthly mortgage insurance but you would need to buy in places like Fruit Cove, Sawgrass or Yulee.
Here are couple of other options.
1) Do an 80/10/10 - meaning put 10% down and get a 1st and 2nd mortgage combo loan.
2) Buy a Fannie Mae owned home using the HomePath program which does not require monthly mortgage insurance.
3) Lender paid MI - this option has an increased interest rate but no monthly mortgage insurance.
Please feel free to contact me for more information about these options