Document:

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                                                                    EXHIBIT 10.2

                       EIGHTH AMENDMENT TO LOAN AGREEMENT

            This Eighth Amendment to Loan Agreement is effective as of April 1,
2005, by and between DIVERSICARE ASSISTED LIVING SERVICES NC I, LLC, a Delaware
limited liability company (together with its successors and assigns, the
"Borrower"), and 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
June 4, 1999, as amended by that certain First Amendment to Loan Agreement dated
as of July 1, 2002, as amended by that certain Second Amendment to Loan
Agreement dated as of October 1, 2002, as amended by that certain Third
Amendment to Loan Agreement dated as of January 1, 2003, as amended by that
certain Fourth Amendment to Loan Agreement dated as of June 18, 2003, as amended
by that certain Fifth Amendment to Loan Agreement dated as of July 1, 2003, as
amended by that certain Sixth Amendment to Loan Agreement dated as of June 30,
2004, and as further amended by that certain Seventh Amendment to Loan Agreement
dated as of January 1, 2005 (the "Agreement"). Unless otherwise defined in this
Eighth 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 Eighth 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 "April 1, 2006".

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

                                       1

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

                                     DIVERSICARE ASSISTED LIVING
                                     SERVICES NC I, LLC, a Delaware limited
                                     liability company

                                     By: Diversicare Assisted Living Services
                                     NC, LLC
                                     Its: Sole Member

                                              By: /s/ Glynn Riddle
                                                  ------------------------------
                                                  Glynn Riddle, Vice President
                                                  and Chief Financial Officer

                                     GMAC COMMERCIAL MORTGAGE
                                     CORPORATION, a California corporation

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

                                       2<PAGE>

                                                                    EXHIBIT 10.3

                       NINTH AMENDMENT TO PROMISSORY NOTE

      THIS NINTH AMENDMENT TO PROMISSORY NOTE (this "Ninth Amendment") is
entered into as of the 1st day of April, 2005, by and between DIVERSICARE
ASSISTED LIVING SERVICES NC I, LLC, a Delaware limited liability company (the
"Borrower"), and GMAC COMMERCIAL MORTGAGE CORPORATION, a California corporation
(the "Lender").

                                    RECITALS

            A. The Borrower executed to the order of the Lender that certain
Promissory Note dated June 4, 1999, in the principal amount of $12,770,000 as
amended by that certain First Amendment to Promissory Note dated as of July 1,
2002, as amended by that Second Amendment to Promissory Note dated as of October
1, 2002, as amended by that Third Amendment to Promissory Note dated as of
December 1, 2002, as amended by that certain Fourth Amendment to Promissory Note
dated as of January 1, 2003, as amended by that certain Fifth Amendment to
Promissory Note dated as of June 18, 2003, as amended by that certain Sixth
Amendment to Promissory Note dated as of July 1, 2003, as amended by that
certain Seventh Amendment to Promissory Note dated as of June 30, 2004, and as
amended by that certain Eighth Amendment to Promissory Note dated as of January
1, 2005 (the "Note"). Unless otherwise defined herein, capitalized terms shall
have the meaning assigned to them in the Note.

            B. The Borrower has requested that the Lender extend the Maturity
Date of the Note, and the Lender has agreed, upon certain conditions, one of
which is the execution of this Ninth Amendment.

                                    AGREEMENT

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

            Section 4.1 of the Note, Maturity Date, is hereby amended to extend
the Maturity Date from April 1, 2005 until April 1, 2006. All references in the
Note to the "Maturity Date" are hereby amended to mean April 1, 2006.

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

      Notwithstanding the execution of this Ninth 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,

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except as any such default has been expressly waived in writing by the
Beneficiary, or the Beneficiary has provided an express written forbearance.

      Notwithstanding the execution of this Ninth 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 December 31, 2004, and signed by
Borrower's Chief Financial Officer and Vice President.

                                       2
<PAGE>

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

                                     BORROWER:

                                     DIVERSICARE ASSISTED LIVING SERVICES NC I,
                                     LLC, a Delaware limited liability company

                                     By: Diversicare Assisted Living Services
                                     NC, LLC
                                     Its: Sole Member

                                     By: /s/ Glynn Riddle
                                         ---------------------------------------
                                         Glynn Riddle, Vice President and
                                         Chief Financial Officer

                                     LENDER:

                                     GMAC COMMERCIAL MORTGAGE CORPORATION,
                                     a California corporation

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

                                       3<PAGE>

                                                                    EXHIBIT 10.4

                       EIGHTH AMENDMENT TO LOAN AGREEMENT

            This Eighth Amendment to Loan Agreement is effective as of April 1,
2005, by and between DIVERSICARE ASSISTED LIVING SERVICES NC II, LLC, a Delaware
limited liability company (together with its successors and assigns, the
"Borrower"), and 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
June 4, 1999, as amended by that certain First Amendment to Loan Agreement dated
as of July 1, 2002, as amended by that certain Second Amendment to Loan
Agreement dated as of October 1, 2002, as amended by that certain Third
Amendment to Loan Agreement dated as of January 1, 2003, as amended by that
certain Fourth Amendment to Loan Agreement dated as of June 18, 2003, as amended
by that certain Fifth Amendment to Loan Agreement dated as of July 1, 2003, as
amended by that certain Sixth Amendment to Loan Agreement dated as of June 30,
2004, and as amended by that certain Seventh Amendment to Loan Agreement dated
as of January 1, 2005 (the "Agreement"). Unless otherwise defined in this Eighth
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 Eighth 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 "April 1, 2006".

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

                                       1
<PAGE>

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

                                     DIVERSICARE ASSISTED LIVING SERVICES NC II,
                                     LLC, a Delaware limited liability company

                                     By: Diversicare Assisted Living Services
                                     NC, LLC
                                     Its: Sole Member

                                          By: /s/ Glynn Riddle
                                              ----------------------------------
                                              Glynn Riddle, Vice President and
                                              Chief Financial Officer

                                     GMAC COMMERCIAL MORTGAGE CORPORATION,
                                      a California corporation

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

                                       2

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