These are usually things I can do myself or sometimes have a guy from my construction crew (employee) take care of in an hour or two.

My whole thing is; do I want to hire somebody that doesn't even have enough money to buy materials up front, or pay their employees? 

Some cities use city employees, some use third parties, some require exterior PoS only (Maple Heights is one of these), some do exterior and interior, while some require exterior and offer interior.  

All Contractors are subject to the lender’s determination that the contractors are qualified and experienced, have all appropriate credentials required by the state, are financially able to perform the duties necessary to complete the renovation work in a timely manner, and agree to indemnify the borrower for all property losses or damages caused by its employees or subcontractors.Multiple Specialized Contractors:Ø Since this is a limited repair/renovation program, no General Contractor is required.

Quote from @Ryan Raven: You can usually be a property manager without a license as long as you are a direct employee of the owner.

I would like to pass on a little bit of useful information for anybody thinking of converting their permit over to owner-builder. 1 - You will not be able to sell the property for a minimum of 365 days from the date of issuing of the CO. 2 - The property must be for the owner's own use and occupancy and not for sale or lease which means you will not be able to rent it out. 3 - The owner-builder must ensure that all employees working on the project have the required licenses.4 - The owner-builder must provide worker's compensation as required by Florida law.5 - To apply for the owner builder permit, you must physical visit the building department.There are others requirements and conditions, however these are the main items.

Almost 100,000 employees.

And might be everyone, like your employee, your mother, your friend or even yourself.Human is, and will always be, the weakest link of your defense line.

Perhaps some employee change, this is my first month with them, so I'll give them the benefit of the doubt.

As long as you paid a contractor or someone who’s not an employee $600 or more in a tax year, you are required to issue them a Form 1099, regardless of whether you paid them via cash, check, or another method.