Almost 100,000 employees.

I am currently an agent with Long and Foster.

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.

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? 

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.

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.

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

There seems to be a belief throughout this thread that its alright for a city employee to come onto your property and simply lie about item after item and then send a written agreement in direct contrast expecting you to sign and return it.

Quote from @Judy Foster: as an investor in the notes, I can say that yes we knew what it was and that it was risky, but wanted to try something a little different. 

This open line of communication fosters trust and ensures that investors are well-informed and can make strategic decisions based on the broker’s insights.