She started investing in Kansas City, and now is concentrating on duplexes in Los Angeles.

Internet would be installed by then and you're missing out on prime season right now.- If you mean satellite internet (vs cable internet), I personally can't stand it.  

As for your specific questions, we would probably need more details, and probably more than should be posted on the internet to advise if this is a good idea for your situation.

so any payoff with points in less than a year juices the lenders APR.And of course i am sure your aware but anyone on the internet or social media contacting you saying they are a private lender at 3 to 5% is 99.9% simply a pump and dump advance fee crook.. as seen on American Greed Episode  Remington financial  which was brought down by a lady named Ingrid Robinson right there in your neighborhood.. she tried to buy an Island in Clear Lake up in Lake co just North of you..

My thinking is we will concentrate on paying off the 4.5% loans with excess cash flow as fast as possible, then once we only have the mortgage we should have a really solid cash flow at almost half interest rate.Thoughts?

Many more here will have a different opinion, but bite their tongue....my advice, concentrate on a Real career.

I would stop spreading my concentration around.NEVER go into debt from a position of weakness.

Or, are they responsible for getting their own internet service?

I would concentrate on finding employment right now.

In terms of "finding deals" I think the key is concentrating on "value" .