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If I were to create a business plan along with the expenses needed to run the business. I would add up all costs like rent of the store, salary, bills etc and compare it against the sales numbers and profits from services and sales. Find information on the average sales numbers. Also a lot of people do not consider the interest you will have to pay on loan you take for the start up.
All the best
Startup funding is very hard to come by especially if you have bad credit or slow credit. Most lenders - like to see that you have your personal life together as well as some type of track record to repay their loan. You seem to not have either. Banks and lenders just want to get repaid - nothing else.
With what you state, your chances for a SBA loan is very slim. You might look into a Micro Loan (up to $35K for startups) but they will (if they can get around you credit) only start with about $10K.
Your best bet is to bootstrap - find friends or family to help you out, use personal credit cards and personal assets to secure loans.
You might even think about doing this part-time out of your house until you build your business up a bit. Do it in AZ to get a feel for it before moving.
I would also suggest you find a SCORE office in your area. They are free to us and can help you research your idea.
Well, of course, every business start-up is a certain risk, though, there is no success without risk, so, it's very important to try. Besides, success depends not on the luck but on the proper strategy and approach to business. If you really understand what you do and you are confident in your actions, then you will reach the desired results. So, don't be afraid and go ahead.