Real life absolutely no one will give away on the internet their investor friendly priced good contractors. 

Consider putting the property up for sale and get your life back on track, then try investing again.

@Zack Whiting Id change your mindset of real estate investing being a hobby and making it a more serious part of your life.

The increased cash flow would make such a substantial difference in your daily life that not paying it off would be foolish.Outside of that, I can't see many reasons I would take a 15% tax hit to save 4% on a mortgage, which is really only effectively about 3-3.5% depending on your tax bracket.

Go ahead and file.In real life it costs you time to figure it out and money.

Remember, not every single decision in your life has to make financial sense.

I would like to find a mentor/agent who has experience with Foreclosures (HUD) who would be willing to answer questions and work together in the Phoenix/Scottsdale area.I'm on a new journey in life and finally taking steps in the Investor direction... something I should have done a long time ago.

It is a TON of work but you only need 1 to 2 deals per year to live the good life.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.