I did a little research and it does not appear to be a major expense to get it done which is making me lean towards taking care of it on our end. 

While I can appreciate the difference in interest rates, it appears to me you are likely still over leveraged. 

Glad you don't appear to be paying full retail. 

That appear on your reports, they don't see your vacations, nor do they see your supermarket shopping, and your brand name watches etc.

Here are some recommendations for you:Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/users Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alerts Read Beginner’s Guide: http://www.biggerpockets.com/real-estate-investing Check out BP Podcasts: https://www.biggerpockets.com/podcastIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

There are apps and software programs you can use to automate this process once you're at that stage in your business growth.

Looking to get into real estate. Tri state area  I am retired don't have nother to do

If their "programs" worked like they claim they do, surely they would invest their time in that, and not hawking ebooks, right?"

It appears to be a property that someone has just flipped.

Look for a place that does 1st time homebuyers programs.