Logistics can be daunting, but I think the Maldive are doable...easy flight to Europe and then Los Angeles.
https://www.travelandleisure.com/hotels-resorts/overwater-bungalows#cayo-espanto-belize-overwater
This looks good as well:
https://www.songsaa.com/
I have been on an engineering phoncon, so I had some time:
https://www.priceoftravel.com/992/the-11-cheapest-overwater-bungalow-resorts-in-the-world/
Here is a picture of my "Over the Water Hotel" in the Maldives
