need advice on flip not flipping

[Yolanda Mestas]

i have a hard money loan on property in fort worth texas. loan will mature in march. i havent received many bites on property. my team is suggesting options because they are having trouble making their share for mortgage: one - get conventional loan to reduce 13% interest and reduce monthly payment; second - extend hard money loan even though they are going to add another 5% at end of loan (will not reduce loan payment or percentage=will increase); third - get conventional loan to pay off hard money loan and take a chance and lease the house; fourth - if i get conventional loan, lease to own to someone who has cash but not credit.

Help. i told them there would be costs involved if i apply for conventional loan. is that true? i just don't want my credit checked over and over again. 

any suggestions on who to contact?