Its 10 loans.Hit the 4 cap, consolidate, hit the 4 cap again.

Your GF can pay that amount off easily in a few years if she chooses to do so.When you get married, you both can start investing together, consolidate those loans and come up with a plan perhaps from the proceeds of your investment to pay off that debt...Invest in Real Estate if that was initial intention for your savings, that would not be a bad investment. 

Perhaps you should get a GC that gives free estimates or consolidation to come and have a look to give you a quote on site.

I've been on Quickbooks for over a decade and it's become second nature to me now.With only one property, you can forget setting up Classes, but it's handy when you have two or more, the Class becomes the Property-Identifier (use the street name) and you can then get reports for each property or a consolidate report for quarterly or YE taxes."

Insurance is consolidated with the Series, one tax billing may be accomplished.

If the Army closes other bases, they will consolidate to large bases like Fort Hood.The reason there is no appreciation there is because there is lots of room and they won't stop building houses.

Being an IT guy, it may make more sense to look into Quickbooks Online, where you can consolidate bank and cc statements, PM statements, & Mortgage statements. 

The great thing about your equity situation is you can refinance or sale some and consolidate to get payments down if things get rough.

Guess what happens after your Loan is paid off.... part of your mortgage is too and you still have a property that spits out money.If I was you I would be all in with RE but I have a feeling paying the higher balance off (if you haven't consolidated) would fit better with what you would like to do.let me know if this helps or you have questions.

For anyone who was investing back in 2008 era, many people lost jobs and consolidated housing.