Upon "googling" I see where some folks include Debit Cards as not having to send 1099's, but I want to be certain.A lot of contractors lump their labor and materials together.

You can easily look them up on https://nmlsconsumeraccess.org/If they are a commercial lender, you may want to check for google reviews

Check out this table: https://www.municode.com/library/ca/oakland/codes/...This is what you're looking for: https://www.screencast.com/t/Xkyp3OZWkI Oakland, for a building with 3 units or more you need to have a lot sized at 7,500 sq ft.  --- From the zoning code it says, an RM-2 zoned lot can have "1 unit per 2,500 sf. of lot area"If you don't meet that lot size requirement you'll need to make a request for a variance, then post notice about the desired change in front of the building.

Check out all of the helpful forum posts and resources on here relating to Cinci real estate. 

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.

You can also search Google and read reviews.

Also make sure to check out @Nathan Brooks' group Bridge Real Estate Investing Group: https://www.facebook.com/groups/bridgerealestatemeetup/ 

You can also find real estate investing groups through meetup.com, Facebook, or a Google search.

I also like to check reviews on platforms like Yelp, Google, or even Angi (formerly Angie’s List).

Look at Intel headquarters, Google, FB, Amazon, Nationwide, Honda, etc.