I have flipped new homes and townhomes but phased out raising a family and now am focused on utilizing my skills which are building, selling, expanding a circle of influence to focus my effort on the above.

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards 

I am new here just trying to learn and gain knowledge to start buying my own rentals 

If I have the time after dinner to run to Lowe’s , and deliver material at 10pm, I didn’t have to ask if that’s ok.

There are mortgage recast calculators online or you can reach out to your lender.P+I payment will go from 2155 to ~1800 given the numbers you provided.

Sometimes you need to turn down applicants even though you have not picked someone to sign with yet. 

However, I was trying to think what is a good way to go with it. 

Direct mail to this address for 8 months.

Quote from @Sam Evrard: How do you go about finding areas to invest in with limited capital? 

You typically need up to two years of stable employment before a bank will loan to you.