I've received a few loans in the $35k - $75k range, purchase + rehab financing, through the commercial departments of local banks in my area. 

That’s your number. https://www.grandrapidsmi.gov/Government/Departments/Office-of-the-City-Treasurer/Property-Tax-EstimatorInsurance: call an agent but typically $800-$1200 for SFH depending on price point. 

I currently work for a RE debt collecting company and this company has it's own REO department where I believe I can get good leads from.

Once in city hall, I visited Department of Records, office 154-Office of Deeds, office 180-Register of wills, Sheriff's office (100 Broad St.), Municipal Building (office of taxation), Office of Housing and Comunity Development and Office of Property Assessment per each office referral until they start referring me back to each other with no luck.

Plus you'll need an operating permit from the Florida Department of Professional Regulation. 

The person in the basement almost started a fire which caused the fire department to come out, and when they noticed the third unit they threatened the owner with $10k plus in fines.

Just write an addendum removing the departing party and adding the new tenant. 

:It seems Vt is in it's own little worldI believe this is a CFPB requirement, which is a federal department created under Obama.

Get a local or a virtual accountant to be your "in-house" accounting department.

Ray,Definitely go and speak with the Building and Planning Departments regarding the codes and local zoning.