Document:

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                                                                    EXHIBIT 10.2

                                                                       (Windsor)

                       SECOND AMENDMENT TO LOAN AGREEMENT

          This Second Amendment to Loan Agreement is effective as of July 1,
2006, by and between DIVERSICARE WINDSOR HOUSE, LLC, a Delaware limited
liability company (together with its successors and assigns, the "Borrower"),
and CAPMARK FINANCE INC., a California corporation, formerly known as GMAC
Commercial Mortgage Corporation, a California corporation (together with its
successors and assigns, the "Lender").

                                    RECITALS:

          A. Borrower and the Lender entered that certain Loan Agreement dated
March 29, 2001, as amended by that certain First Amendment to Loan Agreement
dated April 1, 2006 (the "Agreement"). Unless otherwise defined in this Second
Amendment, capitalized terms shall have the meaning given to them in the
Agreement.

          B. The Borrower and the Lender desire to amend the Agreement and have
agreed to execute this Second Amendment to evidence such modification.

                                    AGREEMENT

          NOW, THEREFORE, in consideration of the above Recitals, the Borrower
and the Lender hereby amend the Agreement as follows:

          1. Paragraph 1.1, "Maturity Date" is hereby amended by changing the
date to "September 1, 2006".

          Except as expressly amended hereby, the Agreement shall remain in full
force and effect in accordance with its terms.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

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          IN WITNESS WHEREOF, the Borrower and the Lender have caused this
Second Amendment to be properly executed by their respective duly authorized
officers as of the date first above written.

                                        DIVERSICARE WINDSOR HOUSE, LLC, a
                                        Delaware limited liability company

                                        By: Diversicare Leasing Corp., a
                                        Tennessee corporation

                                        Its: Sole Member

                                        By: /s/ Glynn Riddle
                                            ------------------------------------
                                            Glynn Riddle,
                                            Chief Financial Officer

                                        CAPMARK FINANCE INC., a California
                                        corporation, formerly known as GMAC
                                        Commercial Mortgage Corporation, a
                                        California corporation

                                        By: /s/ Laura Y. McDonald
                                            ------------------------------------
                                        Its: Senior Vice President

                                       2<PAGE>

                                                                    EXHIBIT 10.3

                                                                    (Afton Oaks)

                      ELEVENTH AMENDMENT TO PROMISSORY NOTE

          This Eleventh Amendment to Promissory Note (this "Eleventh Amendment")
is effective as of July 1, 2006, by DIVERSICARE AFTON OAKS, LLC, a Delaware
limited liability company (the "Borrower"), and CAPMARK FINANCE INC., a
California corporation, formerly known as GMAC Commercial Mortgage Corporation,
a California corporation (the "Lender").

                                    Recitals

          A. Diversicare Management Services Co., ("DMSC") executed to the order
of Lender that certain Promissory Note dated December 27, 1996, in the original
principal amount of $3,750,000, as amended by that certain Amendment to
Promissory Note dated November 30, 1999, by that certain Second Amendment to
Promissory Note dated April 30, 2000, by that certain Third Amendment to
Promissory Note dated June 30, 2000, by that certain Memorandum of Lender dated
September 8, 2000, by that certain Fourth Amendment to Promissory Note dated
September 29, 2000, by that certain Fifth Amendment to Promissory Note dated
December 31, 2000, by that certain Memorandum of Lender dated January 26, 2001,
by that certain Sixth Amendment to and Assumption of Promissory Note dated
February 28, 2001, by that certain Seventh Amendment to Promissory Note dated
December 23, 2002, by that certain Eighth Amendment to Promissory Note dated
March 31, 2004, by that certain Ninth Amendment to Promissory Note dated April
1, 2005, and by that certain Tenth Amendment to Promissory Note dated April 1,
2006 (the "Note"). Pursuant to the terms of the Sixth Amendment to and
Assumption of the Promissory Note dated February 28, 2001, the Note was assumed
by the Borrower. Unless otherwise defined herein, capitalized terms shall have
the meanings assigned to them in the Note.

          B. The Note matures on July 1, 2006.

          C. The Borrower has requested that the Lender renew the debt evidenced
by the Note and extend the maturity date of the Note, and the Lender has agreed
to such renewal and extension on certain conditions, one of which is the
execution of this Eleventh Amendment by the Borrower.

                                    Agreement

          NOW, THEREFORE, in consideration of the above Recitals, the Borrower
and the Lender hereby amend the Note as follows:

     1. Section 4 of the Note, Maturity Date, is hereby amended to extend the
Maturity Date to September 1, 2006. All references in the Note to the "Maturity
Date" are hereby amended to mean September 1, 2006.

     Except as expressly amended herein, the Note shall remain in full force and
effect in accordance with its terms and conditions.

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     Notwithstanding the execution of this Eleventh Amendment, the indebtedness
evidenced by the Note shall remain in full force and effect, and nothing
contained herein shall be interpreted or construed as resulting in a novation of
such indebtedness. The Borrower acknowledges and agrees that there are no
offsets or defenses to payment of the obligations evidenced by the Note, as
hereby amended, and hereby waives any defense, claim or counterclaim of the
Borrower regarding the obligations of the Borrower under the Note, as hereby
amended. The Borrower represents that there are no conditions of default or
facts or consequences which will or could lead to a default under the
obligations due from the Borrower under the Note, as amended herein, except as
disclosed by Borrower and Diversicare Management Services Co. in that certain
Quarterly Compliance Statement & Census Data report and that certain Compliance
Certificate, each for the period ending March 31, 2006, and signed by Borrower's
Chief Financial Officer and Executive Vice President.

                    [SIGNATURES BEGIN ON THE FOLLOWING PAGE]

                                       2

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          IN WITNESS WHEREOF, the Borrower and Lender have caused this Eleventh
Amendment to be executed by their respective duly authorized representatives, as
of the date first set forth above.

                                        BORROWER:

                                        DIVERSICARE AFTON OAKS, LLC, a Delaware
                                        limited liability company

                                        By: Diversicare Leasing Corp., its sole
                                            member

                                        /s/ Glynn Riddle
                                        ----------------------------------------
                                        Glynn Riddle,
                                        Chief Financial Officer

                                        LENDER:

                                        CAPMARK FINANCE INC., a California
                                        corporation, formerly known as GMAC
                                        Commercial Mortgage Corporation, a
                                        California corporation

                                        By /s/ Laura Y. McDonald
                                           -------------------------------------
                                        Its Senior Vice President

     The Guarantor joins in the execution of this Eleventh Amendment to confirm
its acknowledgment and agreement to the terms contained herein.

                                        GUARANTOR:

                                        ADVOCAT INC., a Delaware corporation

                                        By Glynn Riddle
                                           -------------------------------------
                                        Its: Executive Vice President &
                                             Chief Financial Officer

                                       3<PAGE>

                                                                    EXHIBIT 10.4

                                                                    (Afton Oaks)

                    TENTH AMENDMENT TO PROJECT LOAN AGREEMENT

     THIS TENTH AMENDMENT TO PROJECT LOAN AGREEMENT (the "Tenth Amendment") is
effective as of July 1, 2006, by and between CAPMARK FINANCE INC., a California
corporation, formerly known as GMAC Commercial Mortgage Corporation, a
California corporation (the "Lender") and DIVERSICARE AFTON OAKS, LLC, a
Delaware limited liability company (the "Borrower").

                                    RECITALS:

     A. The Lender, ADVOCAT INC., a Delaware corporation ("Advocat"),
DIVERSICARE MANAGEMENT SERVICES CO., a Tennessee corporation and wholly-owned
subsidiary of Advocat ("DMSC"), DIVERSICARE LEASING CORP. ("DLC"), a Tennessee
corporation and wholly-owned subsidiary of AFI (defined below), ADVOCAT
ANCILLARY SERVICES, INC. ("AAS"), a Tennessee corporation and wholly-owned
subsidiary of DMSC, DIVERSICARE CANADA MANAGEMENT SERVICES CO., INC. ("DCMS"), a
corporation organized under the laws of Canada and wholly-owned subsidiary of
DLC, FIRST AMERICAN HEALTH CARE, INC. ("FAHC"), an Alabama corporation and
wholly-owned subsidiary of DLC, DIVERSICARE LEASING CORP. OF ALABAMA ("DLCA"),
an Alabama corporation and wholly-owned subsidiary of DLC, ADVOCAT DISTRIBUTION
SERVICES, INC. ("ADS"), a Tennessee corporation and wholly-owned subsidiary of
DMS, and ADVOCAT FINANCE, INC. ("AFI"), a Delaware corporation and wholly-owned
subsidiary of DMS (DLC, AAS, DCMS, DGP, FAHC, ADS, DLCA and AFI, together with
any other subsidiaries of Advocat or of the Subsidiaries formed or acquired
after the date hereof, are sometimes hereinafter referred to collectively as the
"Subsidiaries") entered into that certain Project Loan Agreement dated December
27, 1996, as amended by that certain First Amendment to Project Loan Agreement
dated April 30, 2000, by that certain Second Amendment to Project Loan Agreement
dated June 30, 2000, by Memorandum dated September 8, 2000, by that certain
Third Amendment to Project Loan Agreement dated September 29, 2000, by that
certain Fourth Amendment to Project Loan Agreement dated December 31, 2000, and
by that certain Fifth Amendment to Project Loan Agreement and Comprehensive
Amendment of All Other Loan Documents dated February 28, 2001, as amended by
that certain Sixth Amendment to Project Loan Agreement dated December 23, 2002,
as amended by that certain Seventh Amendment to Project Loan Agreement dated
March 31, 2004, as amended by that certain Eighth Amendment to Project Loan
Agreement dated April 1, 2005, and as amended by that certain Ninth Amendment to
Project Loan Agreement dated April 1, 2006 (the "Loan Agreement"). Pursuant to
the terms of the Fifth Amendment to Project Loan Agreement and Comprehensive
Amendment of All Other Loan Documents dated February 28, 2001, the Borrower
assumed all rights, obligations and benefits of DMSC in, to and under the Loan
Document and all Other Loan Documents.

     B. Pursuant to the terms of the Loan Agreement, Lender made a Loan to DMSC,
which was assumed by Borrower, in the principal amount of $3,750,000.00 (the
"Loan"). Unless otherwise defined herein, capitalized terms shall have the
meanings assigned to them in the Loan Agreement.

<PAGE>

     C. The Loan matures on July 1, 2006.

     D. The Borrower has requested that the Lender extend the Maturity Date, and
the Lender has agreed subject to the conditions and terms evidenced herein.

                                    AGREEMENT

     NOW THEREFORE, in consideration of the above Recitals, the Borrower and the
Lender hereby amend the Loan Agreement as follows:

     In Article I, the definition of Maturity Date is hereby amended to state
"Maturity Date means September 1, 2006."

     Except as expressly amended hereby, the Loan Agreement shall remain
unchanged and shall continue in full force and effect.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK]

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     IN WITNESS WHEREOF, the Borrower and the Lender have caused this Tenth
Amendment to be executed by their duly authorized representatives, as of the
date first set forth above.

                                        BORROWER:

                                        DIVERSICARE AFTON OAKS, LLC, a Delaware
                                        limited liability company

                                        By: Diversicare Leasing Corp., a
                                            Tennessee corporation, its sole
                                            member

                                        /s/ Glynn Riddle
                                        ----------------------------------------
                                        Glynn Riddle, Chief Financial Officer

                                        LENDER:

                                        CAPMARK FINANCE INC., a California
                                        corporation, formerly known as GMAC
                                        Commercial Mortgage Corporation, a
                                        California corporation

                                        By: Laura Y. McDonald
                                            ------------------------------------
                                        Its: Senior Vice President

                                       3

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