Asking here since I was given wrong information by a loan officer when I was first looking last summer.

., no prior relationship), I suggest hiring contractors with a brick and mortar storefront or office that has staff of employees (field and office), that has been around for awhile and are, of course, properly licensed and insured.  

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.