Many investors are in your shoes.

When we got the first investment property I made sure it had some of the things she really wanted, like a yard, close to work, big closet for her shoes and bags, lol.

I hope to be in your shoes soon as well.

I was in your shoes during my time in service as well. 

Counterfeit company checks that won't clear so they can stay for free?

You are lucky to be in AZ because there are several ways you can add to your knowledge and meet other investors, both new and pro.I recommend attending the AZREIA monthly meetings and some of their subgroup, smaller meetings, such as Fix and Flip and Buy and Hold.The monthly meeting attracts a ton of people and you can meet others who are in your shoes.

And either type of account would go a long way to giving you control.Cashing out takes more thought when IRS will take a 10% penalty plus 25-35% in taxes leaving you with a lot less than you have now.We're I in your shoes, I would move but I would not cash out. 

If I were in your shoes, I would check the title of the property and be sure it is free of liens or encumbrances, then I would take title through deed, then and only then, I would collect the instructions on making payments to the lender directly.I did one of these where I was able to negotiate the 2nd loan down to about 25% of the balance and paid them off and only had to refinance the first (when I wanted to) and still have this duplex years later.  

I know everyone in my shoes is likely asking this question to themselves, but I wanted to see if there is anyone out there willing to work with me to help identify ways I can make some progress. 

Lindsey, I'm in the same shoes like you trying to develop a small tract in the Charlotte, NC Metro area.