Is It best to do the virtual phone system or business phone line at my office.  

I'm just in the brainstorming phase on using a retail space as a "collaborative workspace" where freelancers and small business owners can rent shared office space.   

So far, I've sent out truly hand written yellow letters, just launched a postcard campaign using Every Door Direct Mail from the post office, setup two different websites and associated google adwords campaigns, and I also got 1 lead from my car magnet.  

You can get a RealEstste Purchase Agreement at any office supply store.  

Currently work as a loan office.

You should call your county courts office that handles the online data and get the correct search parameters. 

I looked it up and the office they have in California is in Santa Clara, CA.

Be sure to find a loan officer with lots of experience on renovation loans because that will make a world of difference.

I once had clients who considered building a home office on top of a garage, but it turned out to be too expensive. 

Other reasons are that FHA usually allows a higher debt-to-income ratio than Conventional, allows a lower credit score, and can have some more flexible underwriting guidelines.It's always best to find an experienced loan officer with a strong product arsenal to help you fit into the best product, and educate you so that YOU can make the right decision.