I am thinking about starting a property management company, because I’ve seen a need for it and I have been desperate to start my own business.

A landlord needing to rent immediately may be desperate.

Hi everyone,I'm in desperate need of a handyman in the Tampa, FL area, if you are a handyman, please reach out, or if you know a good handyman in the Tampa area, please send me the information.Thanks,Marc

What would be the best way to offer this proposition to the development company without sounding like I am desperate and instead make it sound like I'm doing them a favor.

If so, perhaps they're more desperate than I've been led to believe such Lenders are. 

Don't make it sound eager or desperate - just matter of fact.And if he says no, keep sending the monthly letters.

I am almost desperate enough to borrow money from my bank credit card just to come up with the earnest money.

As @Steven Hamilton II points out - if you got insurance money, it was reimbursed - and therefore can't be claimed as a casualty loss deduction.If your casualty happened in a federally declared disaster area you can apply the casualty loss to the previous year's tax return (by filing an amended return) and it might get some money in your hands sooner. https://www.irs.gov/pub/irs-pdf/p547.pdfThe situation is continuing to unfold, so unless you were desperate, I'd wait.

It is hard when you have little to no money starting out to not appear desperate for a deal to happen.

I have to apologize in advance because this type of post seems awkward, out of place, and borderline inappropriate but I’m at my wits end here and desperately need advice from some pros.