Find out which expenses can be cut or reduced, then pay off those credit cards one by one pay off the one with the smallest balance first and so on until all of them are paid off.

There are a few decent agents here on biggerpockets.Some work in Class D- ( high crime ) and extremely old area properties.I personally only look to work with clients who are: ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Ready, Willing, Able, and Most importantly RealisticGood luck with your investing.

Seems like you already offered to do whatever you can to reduce noise - I'd let them fight it out. 

Buy the mortgage at discount and reduce the payments.

See the crime stats below for this property:http://www.trulia.com/homes/New_York/Bronx/sold/20085400-2311-Tiebout-Ave-Bronx-NY-10458

I have 2 other properties with fixed 30 year debt on them and both producing good cash flow.My Question: In a nutshell option 2 allows me to put less down, increase cash flow, and reduce interest rate risk.

He also has reduced the time I spend looking for houses by about 80%. without refucing our effectiveness or effeciency significantly. 

So here are my thoughts...I would like to get into a fix and flip business to replace my current job and use the buy and holds to significantly reduce my "retirement age".  

The math is unassailable, provided you can reduce your screening evaluation to a single "fitness score".

There have been a rash of shortsales in my area but nothing alarming, definitely a decent quiet neighborhood with very little crime.