Credit Union #2: I think the only reason to really consider this one (I don't think the slightly lower points makes that much of a difference) is if the above two options both passed on the deal, a possible reason for that would be (ahem, guess why I am saying what I'm about to say...) an inexperienced management team trying to justify this refinance based on only 6 months of financials (rather than say a 1-2+ year track record of success, or experience with other facilities, etc).

Thank youZoning may be a problem, but building codes for home health care facilities will stop you in your tracks.

They had a track record of completing work, multiple crews, standard materials, and refinancing successfully.

Steps to Vet a Hard Money Lending FirmReview Their Track Record:Look into the firm's history and reputation.

You don't need to track losses at the state level. 

My income from the life insurance sales has gone from $0 in April to $1900 so far in July and on track for $4000 by end of July. 

You are on the right track!

Which would still give you access to the two sites Jay showed Property Edge Pro (a lot like Propstream) and MarketPlace Pro (for investors to keep track of their tax liens/deeds).

The cash flow from the other units may or may not cover your expenses or mortgage, but that's not the end of the world. 2-4 units in FL are expensive right now, but it allows you to get your own place, pay down the principal and start building your track record and portfolio. 

I get my real estate seller leads from the following sources:GQREA, Leads to Listings, Trulia, realtor.comWe also had GQREA develop landing pages in every zip code we cover.I then send all data to GQREA: http://realestateleads.pro/listing-leads to track and schedule..They generate their on leads/referrals and also call the data I send.