The mortgage broker did not recommend that we do any of the work ourselves, and we should just incorporate everything in the loan. 

Also, there are  strategies, techniques, etc. that a reputable website design company knows and can incorporate into your website to improve performance.

However, many newbie investors are still treating a "good deal" like a sure money maker because they are anticipating appreciation without incorporating realistic operating costs. 

I've heard that it makes more sense to incorporate in the state where the property is, otherwise you will have to register as a foreign entity in that state anyway.

I was told that unless my 401k was on Sunbiz as a corp or had articles of incorporation, I could not open the account with the EIN number of my plan.  

Yes, there are a number of contractual protections and bankruptcy protections a businessman can incorporate into their contracts through consultation with an experienced bankruptcy attorney turned real estate attorney.

One of my major clients incorporated without the help of a lawyer and relied on association documents to get their business going.

It turns out my girlfriend and I are already an incorporated real estate business called "Alpha and Omega Real Estate Servives, Inc."

Let me make sure that I understand... ...if it is a licensed contractor I just 1099 them (yet, my understanding is that if they are incorporated I'm not required to 1099 them)....if they aren't licensed and don't have their own workers comp insurance, and then I hire them as an employee for the project, I can't 1099 them.

Front side simple to the point, name of business, my name, and contact info with a nice graphic/background.