AI without navmesh - cant use location

So, im making a fish.
“move to location or actor” is the only one working and the only thing you can set on it is actor and not location.
I want to at this point to use locations, and not to spawn target points everywhere.
Is there a way to bypass it, by not using “set actor location”, by using location?

There is no nav mesh. Im using a pawn and a AI controller, the Pawn has floating moving component.

bumping this

So my answer to this is dons 3d pathfinding i guess, but making this work with a source built engine is hard.