Corey Smith I ran into some issues when working with the large banks but found a guy at Caliber Home Loans who matched my needs to Washington Federal's portfolio loan program.

There's probably a code for it.The cool thing is, since this is a government list, it's public records and you can have it.Many counties have their database online.  

@William RickettIn addition to the self-directed IRA you may want to consider exploring solo 401(k).Following are the similarities and differences between the solo 401k and the self-directed IRA.The Self-Directed IRA and Solo 401k Similarities Both were created by congress for individuals to save for retirement;Both may be invested in alternative investments such as real estate, precious metals tax liens, promissory notes, private company shares, and stocks and mutual funds, to name a few;Both allow for Roth contributions;Both are subject to prohibited transaction rules;Both are subject to federal taxes at time of distribution;Both allow for checkbook control for placing alternative investments;Both may be invested in annuities;Both are protected from creditors;Both allow for nondeductible contributions;Both are prohibited from investing in assets listed under I.R.C. 408(m); andThe Self-Directed IRA and Solo 401k DifferencesIn order to open a solo 401k, self-employment, whether on a part-time or full-time basis, is required;To open a self-directed IRA, self-employment income is not required;In order to gain IRA checkbook control over the self-directed IRA funds, a limited liability company (IRA LLC)  must be utilized;The solo 401k allows for checkbook control from the onset;The solo 401k allows for personal loan known as a solo 401k loan;It is prohibited to borrow from your IRA;The Solo 401k may be invested in life insurance;The self-directed IRA may not be invested in life insurance;The solo 401k allow for high contribution amounts (for 2016; the solo 401k contribution limit is $53,000, whereas the self-directed IRA contribution limit is $5,500);The solo 401k business owner can serve as trustee of the solo 401k;The self-directed IRA participant/owner may not serve as trustee or custodian of her IRA; instead, a trust company or bank institution is required;When distributions commence from the solo 401k a mandatory 20% of federal taxes must be withheld from each distribution and submitted electronically to the IRS by the 15th of the month following the date of each distribution;Rollovers and/or transfers from IRAs or qualified plans (e.g., former employer 401k) to a solo 401k are not reported on Form 5498, but rather on Form 5500-EZ, but only if the air market value of the solo 401k exceeds $250K as of the end of the plan year (generally 12/31);When funds are rolled over or transferred from an IRA or 401k to a self-directed IRA, the amount deposited into the self-directed IRA is reported on Form 5498 by the receiving self-directed IRA custodian by May of the year following the rollover/transfer.Rollovers (provided the 60 day rollover window is satisfied) from an IRA to a Solo 401k or self-directed IRA are reported on lines 15a and 15b of Form 1040;Pre-tax IRA contributions on reported on line 32 of Form 1040;Pre-tax solo 401k contributions are reported on line 28 of Form 1040;Roth solo 401k funds are subject to RMDs;A Roth 401k may be transferred to a Roth IRA (Note that from a planning perspective, it may be advantageous to transfer Roth Solo 401k funds to a Roth IRA before turning age 70 ½ in order to escape the Roth RMD requirement applicable to Roth 401k contributions including Roth Solo 401k contributions and earnings.)

He interviewed a guy that can tell you how to get lists from the government at no charge.

In Florida the just passed the medical marijuana, so I'm sure we will begin to have those issues, but it still does not negate the fact that it is federal illegal, so still no smoking INSIDE of the property, by exterior is fine

And I would like to add HML to the mix.I've seen many of your posts and I have a similar outlook and belief that it is better to have money to invest with now rather than assume it will be there in the distant future (based on the realities of government overspending, and the associated probable tax increases, etc.) 

My girlfriend is a great/experienced property manager so I might look into that.I've also heard people in my city make a lot of money as sober living homes, but I'm unsure of this business and there seems to be a lot of turmoil with the local government with that right now.I appreciate all the ideas and help.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($424,100 or less) dropped to 4.14 percent from 4.17 percent, with points increasing to 0.38 from 0.36 (including the origination fee) for 80 percent loan-to-value ratio loans.Fratantoni said a 15 percent increase in government refinance applications helped boost refinance applications.

Given the prevalence of tactics such as renting and letting friends and family live there, drugs dealings, and government regulations such as "Companion animals" I want to be able to get rid of problem tenants earlier than later.

I rent to companies that are paid by the government to care for people with physical and developmental disabilities.