The experience was really bad as I was getting 1-2 year old leads to cold call that I knew had a 0% success rate and I do much better generating leads organically on my own.

Your HOA also will have to unless they are organized as a 501c3 which most are not.

I have made contact with a handful of homeowners, so some of the results are valid & get me to the person I need to connect with - however the borrowers I cannot contact are an issue, as it's a sizeable amount of results I get back that are uncontactable (No skip available, wrong # or out of service).My question to the BP community is - what program/software/company do you guys use for skip tracing?

Look into Baselane it’s designed specifically for real estate investors, You get automated rent collection, expense tracking, it makes it easier to manage properties, stay organized, and keep up with your finances. 

Feel free to inquire about their staff qualifications if it's a larger organization.2.

Skills or qualities in no particular order: Communication, patience, empathy, listening ear, backbone, resilience, determination, organization, work ethic, lead a team, thick skin, time management, trusts their instinct, and all-around good ethics! 

i'm currently trying to automate and/or streamline as much administration as possible in effort to get better organized.

The "fine print" here is fairly sizeable upfront fees and high interest rates, relative to a traditional construction loan from a bank.  

Realistically, one checking account and an accounting system will meet all your needs and keep your business better organized than 7+ bank accounts.If you want to collect bank interest from excess cash, add a savings account.

Feel free to inquire about their staff qualifications if it's a larger organization.2.