Document:

<PAGE>   1
                                                                    EXHIBIT 10.5

                        SIXTH AMENDMENT TO MASTER CREDIT
                             AND SECURITY AGREEMENT

         This Sixth Amendment to Master Credit and Security Agreement is made
and entered into as of December 1, 1999, by and between First American National
Bank, a national banking association, with its principal place of business at
First American Center, Nashville, Tennessee, 37237 (hereinafter referred to as
"First American"), in its capacity as the lender under the Working Capital Line
and as Administrative Agent, GMAC Commercial Mortgage Corporation, with offices
for purposes of this Agreement at 2200 Woodcrest Place, Suite 305, Birmingham,
Alabama, 35209 (hereinafter referred to as "GMAC"), in its capacity as the
lender under the Acquisition Line (First American and GMAC are sometimes
referred to individually herein as "Lender", and collectively herein as the
"Lenders"), Advocat Inc., a Delaware corporation (hereinafter referred to as
"Advocat"), Diversicare Management Services Co. (the "Borrower"), a Tennessee
corporation and wholly-owned subsidiary of Advocat, Advocat Finance, Inc.
("AFI"), a Delaware corporation and wholly-owned subsidiary of the Borrower,
Diversicare Leasing Corp. ("DLC"), a Tennessee corporation and wholly-owned
subsidiary of AFI, Advocat Ancillary Services, Inc. ("AAS"), a Tennessee
corporation and wholly-owned subsidiary of the Borrower, Diversicare Canada
Management Services Co., Inc. ("DCMS"), a corporation organized under the laws
of Canada and wholly-owned subsidiary of DLC, Diversicare General Partner, Inc.
("DGP"), a Texas corporation 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, and Advocat Distribution Services, Inc.
("ADS"), a Tennessee corporation and wholly-owned subsidiary of the Borrower
(DLC, AAS, DCMS, DGP, FAHC, ADS, DLCA and AFI, together with any other
subsidiaries of Advocat (or any Subsidiary) formed or acquired after the date
hereof, are sometimes hereinafter referred to collectively as the
"Subsidiaries"),

                              W I T N E S S E T H:

         WHEREAS, pursuant to the terms of a Master Credit and Security
Agreement dated as of December 27, 1996 (the "Loan Agreement"), by and between
the Lenders, Advocat, the Borrower and the Subsidiaries, the Lenders agreed to
loan to the Borrower, Advocat and the Subsidiaries sums not to exceed
$50,000,000, including a $10,000,000 Working Capital Line to be funded by First
American (capitalized terms not otherwise defined herein shall have meanings
ascribed to such terms in the Loan Agreement); and,

         WHEREAS, at Borrower's request, First American has provided a temporary
increase in the Working Capital Line in the amount of $3,500,000 (the "Overline
Facility"); and,

         WHEREAS, at Borrower's request, First American is renewing and
extending the Working Capital Line in the amount of $10,000,000.00 (the "Working
Capital Line"); and

         WHEREAS, First American has agreed to extend the maturity date of the
Overline Facility and the Working Capital Line until February 28, 2000; and

                                       1
<PAGE>   2

         WHEREAS, Borrower and Lenders desire to amend the Loan Agreement to
reflect such renewal and to modify certain other provisions of the Loan
Agreement,

         NOW, THEREFORE, in consideration of the foregoing premises, and other
good and valuable consideration, the receipt and legal sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

         1. Extension of Overline Facility. The maturity date of the Overline
Facility is hereby extended to February 28, 2000.

         2. Extension of Working Capital Line. The maturity date of the Working
Capital Line is hereby extended to February 28, 2000.

         3. Interest Rate. Section 2.6(a) of the Loan Agreement is hereby
deleted and replaced with the following:

                  a. Working Capital Line. Interest on so much of the principal
         balance of the Working Capital Line as may be outstanding from time to
         time shall accrue at a floating rate per annum equal to the Index Rate.

         4. Waiver of Defaults. Borrower acknowledges that Borrower is in
Default due to noncompliance with Sections 5.6(a), (b), (c) and (d) of the Loan
Agreement as of September 30, 1999. Subject to the terms of this Amendment,
Lenders hereby waive the existing Defaults described above for the period ending
September 30, 1999 only. The foregoing waiver by the Lenders is limited to the
specific Defaults described in this Section and for the period ending September
30, 1999, and shall not be deemed to be a waiver of any other Default under the
Loan Agreement.

         5. Fees and Expenses. Borrower shall pay all reasonable costs and
expenses incurred by First American in connection with the transactions
contemplated herein.

         6. Guarantors. The Guarantors have joined in this Agreement for
purposes of consenting to this Amendment.

         7. Consent of GMAC. To the extent required by the Loan Agreement, GMAC
has executed this Agreement for purposes of consenting to the terms of this
Fifth Amendment.

         8. Restatement and Ratification. The Borrower, Advocat and the
Subsidiaries hereby restate and ratify all of the representations and warranties
contained in the Loan Agreement, as of the date hereof, and each hereby
acknowledge and confirm that the terms and conditions of the Loan Agreement, as
amended hereby, remain in full force and effect.

                  (Remainder of Page Intentionally Left Blank)

                                       2
<PAGE>   3

         IN WITNESS WHEREOF, the parties hereto have executed this Sixth
Amendment as of the day and date first above written.

FIRST AMERICAN NATIONAL BANK, a             DIVERSICARE MANAGEMENT SERVICES CO.,
national banking association                a Tennessee corporation

BY: /s/ Sandra G. Hamrick                   BY: /s/ Richard B. Vacek, Jr.
    --------------------------------            --------------------------------
    Sandra G. Hamrick, Vice President       TITLE: Executive VP--CFO
                                                   -----------------------------
           "FIRST AMERICAN"                             "BORROWER"

GMAC-COMMERCIAL MORTGAGE                    ADVOCAT INC., a Delaware corporation
CORPORATION, a California corporation

BY:                                         BY: /s/ Richard B. Vacek, Jr.
    --------------------------------            --------------------------------

TITLE:                                      TITLE: Executive VP--CFO
       -----------------------------               -----------------------------
               "GMAC"                                      "ADVOCAT"

DIVERSICARE LEASING CORP.,
a Tennessee corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

                                       3
<PAGE>   4

         (SIGNATURE PAGE FOR CREDIT AND SECURITY AGREEMENT - Continued)

ADVOCAT ANCILLARY SERVICES,
INC., a Tennessee corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE CANADA
MANAGEMENT SERVICES CO.,
INC., an Ontario, Canada corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE GENERAL
PARTNER, INC., a Texas corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

FIRST AMERICAN HEALTH CARE,
INC., an Alabama corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

ADVOCAT DISTRIBUTION SERVICES,
INC., a Tennessee corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

                                       4
<PAGE>   5

         (SIGNATURE PAGE FOR CREDIT AND SECURITY AGREEMENT - Continued)

ADVOCAT FINANCE, INC., a
Delaware corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE LEASING CORP. OF
ALABAMA, INC., an
Alabama corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE ASSISTED LIVING
SERVICES, INC., a Tennessee
corporation

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE ASSISTED LIVING
SERVICES NC, LLC, a Tennessee
limited liability company

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

                                       5
<PAGE>   6

         (SIGNATURE PAGE FOR CREDIT AND SECURITY AGREEMENT - Continued)

DIVERSICARE ASSISTED LIVING
SERVICES NC I, LLC,

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

DIVERSICARE ASSISTED LIVING
SERVICES NC I, LLC,

BY: /s/ Richard B. Vacek, Jr.
    --------------------------------
TITLE: Executive VP--CFO
       -----------------------------

                   "SUBSIDIARIES"

                                       6<PAGE>   1
                                                                    EXHIBIT 10.6

                                                                    (Afton Oaks)

                          AMENDMENT TO PROMISSORY NOTE
                                (Extending Term)

         This Amendment to Promissory Note (this "Amendment") is executed this
30th day of November, 1999, by DIVERSICARE MANAGEMENT SERVICES CO., a Tennessee
corporation (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 December 27, 1996, in the principal amount of
$3,750,000.00 (the "Note"). The Note is attached hereto as Exhibit A.

         B. The Note matures on December 1, 1999, and the Borrower has requested
that the Lender renew the debt evidenced by the Note and extend the Maturity
Date of the Note. The Note is attached hereto as Exhibit A. Unless otherwise
defined herein, capitalized terms shall have the meanings assigned to them in
the Note.

         C. The Lender has agreed to such renewal and extension on certain
conditions, one of which is the execution of this 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. The Borrower acknowledges that the outstanding principal balance
under the Note is $3,750,000.00 on the date hereof.

         2. In Section 4 of the Note, the Maturity Date is hereby extended from
December 1, 1999, until April 30, 2000.

         Notwithstanding the execution of this 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, except as otherwise disclosed to or known
by Lender, 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.

                                        1

<PAGE>   2

         Except as expressly amended hereby, the Note shall remain in full force
and effect in accordance with its terms, including, without limitation, the
amount of the monthly payment and the security and the guaranty for the Note.

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

                                         BORROWER:

                                         DIVERSICARE MANAGEMENT
                                         SERVICES CO., a Tennessee corporation

                                         By: /s/ Richard B. Vacek, Jr.
                                             -----------------------------------
                                         Its: Executive Vice President
                                              ----------------------------------

                                         LENDER:

                                         GMAC COMMERCIAL MORTGAGE
                                         CORPORATION, a California corporation

                                         By: /s/ Sarah Sumner Duggan
                                             -----------------------------------
                                         Its: Senior Vice President
                                              ----------------------------------

                                        2

<PAGE>   3

                                                                 (Windsor House)

                          AMENDMENT TO PROMISSORY NOTE
                                (Extending Term)

         This Amendment to Promissory Note (this "Amendment") is executed this
30th day of November, 1999, by DIVERSICARE MANAGEMENT SERVICES CO., a Tennessee
corporation (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 December 27, 1996, in the principal amount of
$3,800,000.00 (the "Note").

         B. The Note matures on December 1, 1999, and the Borrower has requested
that the Lender renew the debt evidenced by the Note and extend the maturity
date of the Note. The Notes is attached hereto as Exhibit A. Unless otherwise
defined herein, capitalized terms shall have the meanings assigned to them in
the Note.

         C. The Lender has agreed to such renewal and extension on certain
conditions, one of which is the execution of this 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. The Borrower acknowledges that the outstanding principal balance
under the Note is $3,800,000.00 on the date hereof.

         2. In Section 4 of the Note, the Maturity Date is hereby extended from
December 1, 1999, until April 30, 2000.

         Notwithstanding the execution of this 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, except as otherwise disclosed to or known
by Lender, 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.

                                        1

<PAGE>   4

         Except as expressly amended hereby, the Note shall remain in full force
and effect in accordance with its terms, including, without limitation, the
amount of the monthly payment and the security and the guaranty for the Note.

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

                                         BORROWER:

                                         DIVERSICARE MANAGEMENT
                                         SERVICES CO., a Tennessee corporation

                                         By: /s/ Richard B. Vacek, Jr.
                                             -----------------------------------
                                         Its: Executive Vice President
                                              ----------------------------------

                                         LENDER:

                                         GMAC COMMERCIAL MORTGAGE
                                         CORPORATION, a California corporation

                                         By: /s/ Sarah Sumner Duggan
                                             -----------------------------------
                                         Its: Senior Vice President
                                              ----------------------------------

                                        2

<PAGE>   5

                                                                      (Pinedale)

                          AMENDMENT TO PROMISSORY NOTE
                                (Extending Term)

         This Amendment to Promissory Note (this "Amendment") is executed this
30th day of November, 1999, by DIVERSICARE MANAGEMENT SERVICES CO., a Tennessee
corporation (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 December 27, 1996, in the principal amount of
$2,805,000.00 (the "Note").

         B. The Note matures on December 1, 1999, and the Borrower has requested
that the Lender renew the debt evidenced by the Note and extend the maturity
date of the Note. The Note is attached hereto as Exhibit A. Unless otherwise
defined herein, capitalized terms shall have the meanings assigned to them in
the Note.

         C. The Lender has agreed to such renewal and extension on certain
conditions, one of which is the execution of this 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. The Borrower acknowledges that the outstanding principal balance
under the Note is $2,805,000.00 on the date hereof.

         2. In Section 4 of the Note, the Maturity Date is hereby extended from
December 1, 1999, until April 30, 2000.

         Notwithstanding the execution of this 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, except as otherwise disclosed to or known
by Lender, 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.

                                        1

<PAGE>   6

         Except as expressly amended hereby, the Note shall remain in full force
and effect in accordance with its terms, including, without limitation, the
amount of the monthly payment and the security and the guaranty for the Note.

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

                                         BORROWER:

                                         DIVERSICARE MANAGEMENT
                                         SERVICES CO., a Tennessee corporation

                                         By: /s/ Richard B. Vacek, Jr.
                                             -----------------------------------
                                         Its: Executive Vice President
                                              ----------------------------------

                                         LENDER:

                                         GMAC COMMERCIAL MORTGAGE
                                         CORPORATION, a California corporation

                                         By: /s/ Sarah Sumner Duggan
                                             -----------------------------------
                                         Its: Senior Vice President
                                              ----------------------------------

                                        2

<PAGE>   7

                                                                (Good Samaritan)

                          AMENDMENT TO PROMISSORY NOTE
                                (Extending Term)

         This Amendment to Promissory Note (this "Amendment") is executed this
30th day of November, 1999, by DIVERSICARE MANAGEMENT SERVICES CO., a Tennessee
corporation (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 December 27, 1996, in the principal amount of $745,000.00
(the "Note").

         B. The Note matures on December 1, 1999, and the Borrower has requested
that the Lender renew the debt evidenced by the Note and extend the Maturity
Date of the Note. The Notes is attached hereto as Exhibit A. Unless otherwise
defined herein, capitalized terms shall have the meanings assigned to them in
the Note.

         C. The Lender has agreed to such renewal and extension on certain
conditions, one of which is the execution of this 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. The Borrower acknowledges that the outstanding principal balance
under the Note is $745,000.00 on the date hereof.

         2. In Section 4 of the Note, the Maturity Date is hereby extended from
December 1, 1999, until April 30, 2000.

         Notwithstanding the execution of this 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, except as otherwise disclosed to or known
by Lender, 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.

                                        1

<PAGE>   8

         Except as expressly amended hereby, the Note shall remain in full force
and effect in accordance with its terms, including, without limitation, the
amount of the monthly payment and the security and the guaranty for the Note.

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

                                         BORROWER:

                                         DIVERSICARE MANAGEMENT
                                         SERVICES CO., a Tennessee corporation

                                         By: /s/ Richard B. Vacek, Jr.
                                             -----------------------------------
                                         Its: Executive Vice President
                                              ----------------------------------

                                         LENDER:

                                         GMAC COMMERCIAL MORTGAGE
                                         CORPORATION, a California corporation

                                         By: /s/ Sarah Sumner Duggan
                                             -----------------------------------
                                         Its: Senior Vice President
                                              ----------------------------------

                                        2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}]]