A private money or pure asset based hard money lender may be a better option since they aren't bound by the same regulatory environment as a bank.

i have 100k saved up i dont want to work anymore because its trades and i cant do it with my body any longer. can someone please help me on how i can get freedom 

I also will help my friends and family by re-embursing them with the mandatory 6% realtor fee's, which brings me to my next question; could I advertise myself as an agent with my slogan being " I will give you $500 cash if you let me help you" I don't see any agents that do that, and I wouldn't care giving others part of my commission, so they could get money and I could also get money but most importantly the experience.although sheet metal workers in my area make an average of $90k a year, it is just hard on the body/lots of hours and would love to try perusing real estate.

I am sure the text for what one can and cannot do from the IRS and any other governing bodies is long and difficult to totally understand and may be open to interpretation - I know many things with the IRS are.  

Make it clear that their failure to perform inspections enabled the problem to worsen and they are therefore liable.If they refuse to pony up, you can file a complaint with their Broker and then the real estate commission or whatever your governing body is for California.

get an FHA 3.5% down " an expert is some one who can see past the obvious path and helpIf you are going to open market , try to get referrals from your agent , contractor or any body who is in real estate business - Also keep in mind  that there are lot of lenders/brokers who change the terms at the last moment , so even if you hear what you want to hear initially - make sure you have references and a solid backup

I refer you to Florida Statues 475.42 and 475.43 and the following URLs. https://www.richardhornsby.com/crimes/regulatory/unlicensed-practice-of-real-estate.html https://swflreia.com/2016/01/19/unlicensed-real-estate-activity-florida/ I have been a Real Estate Investor, since 1998.

What I was saying about her was that it was odd, lots of other things I couldn't put in the body of the text  that sent off a huge red flag.   

You can plan on having some regulatory stability for at least the foreseeable future, and there is pretty good demand for short-term rentals in the town.

I emphasize free because you'll never get through the body of free knowledge out there in 10 years.