Should I switch to maintance now ?

If you have not already switch your goal to lose 0.5lbs/week and keep going for a couple weeks. This will also put you closer to maintenance intake so it would be less of a jump to make all at once.

First off, your stomach isn't suppose to be completely flat. You have things there that are going to make it protrude. Plus regular every day bloating and unbloating is going to change that.(And your weight) Which means 125.1 or 125 it doesn't matter. You can change as much as eight to ten pounds either way (Which is just water, so don't panic, it's not fat)
As far as maintaining around 125, though, I've heard it's better to go a few pounds under the goal, because when you eat normally again, you body is going to take in extra things that it couldn't keep while you were losing.
So really it's up to you, is a few pounds either way going to make you look very different? If it does, is it bad and do you not like it? Then go ahead and aim a little lower, so you'll be around 125 when you eat normally again. If it doesn't make much difference, or you think it look good and you're not so worried about a number, then go ahead and maintain now! Because it's not really going to be fat that you gain. I wanna say it's sugars, but I'm actually not sure.

ETA: That's why a lot of weight loss products can promise losing 5 pounds right away. Because it's not fat that you're losing at first.

I realize I've got intestines and my stomach there to bulge out a little ... But I'm certain other people who are similar in fitness to me have flatter stomachs then me. Don't get me wrong , in not some uneducated girl shooting for unrealistic expectations...but sometimes I can stand up and 'cup' my gut like its a little baby bump. Can't believe I just admitted that , but there it is. I don't think most girls who aren't pregnant , and are healthy and fit can do that!

I would also suggest you get adequate protein 95+ grams/day, and fat 45+ grams per day, and take part in a progressive heavy lifting strength training routine.

The protein, small deficit, and strength training will help ensure that what you are losing is fat and not lean muscle.

Maybe it is your body shape? I am 5'3" and 115 pounds and still have a belly because I am a spoon shape. I don't think I will ever have a flat stomach. I wear freaking size two jeans and have a belly. It just is what it is and I am learning to accept it. Slowly.

I got it measured by an electronic ( i think ??)hand held device at my gym , last taken two weeks ago. From what I understand the device sends waves of some sort from one handle , through your body and into the other handle.

Those devices can be way off, they are not bad to track progress but will not give you your true BF%. they can also be affected by hydration levels, amount of undigested food in your system etc.

Even for tracking progress you should try and measure under similar circumstances, such as : same point in your cycle, fasted, well hydrated, etc. Otherwise your BF% may go down but the machine could show an increase if these things are different each time you measure.

Yeah it sounds like you have a curvy body shape like me. It wouldn't be impossible to get a flat stomach but it would take lots of heavy lifting on a progressive program like stronglifts, nrolfw, etc and lots of patience. And then you may just always have a little bit of a pooch because your body shape dictates that.

New Rules of Lifting for Women. You could also check out just regular New Rules of Lifting.

Hey you sound very thin already and low in fat - so I would switch to maintenance, OP

Never just 'switch', you can make yourself feel very sick, just prepare to switch, up your calories by 200 to start with, then up them by 100 every week until your weight loss stabilizes, then you will soon know your maintaining calorie limit.

Very sick??

I think you should at least take a "diet break" - i.e. take some time maintaining. Then after a while reassess.
Also try changing your goals from weight loss to fitness and/or strength targets while you maintain - it might give you a different perspective and way of measuring progress.

It can take a while for your self-image to catch up after weight loss and I get the impression you are focussing on the negative rather than being pleased with what you have achieved. You body doesn't stop changing just because you eat in a calorie balance by the way - it will still develop in reaction to the training stimulus you give it.

I believe the difference in calories from now to maintenance is only 270 , so I don't think it will be too hard for me to fill up those calories.

arrrgh so anyone? Do I switch to maintenance and keep working on my abs and cardio, and hope this works? or try to shave off another five lbs of fat? If I really am at 18.3% body fat I'm wondering if this is a healthy choice.

I'm not saying you aren't 18% because I've never seen you, but that's a pretty muscular low fat physique. I'm an inch taller than you and a few lb heavier however I'm positive I'm in the mid to even high 20%.

I believe the difference in calories from now to maintenance is only 270 , so I don't think it will be too hard for me to fill up those calories.

arrrgh so anyone? Do I switch to maintenance and keep working on my abs and cardio, and hope this works? or try to shave off another five lbs of fat? If I really am at 18.3% body fat I'm wondering if this is a healthy choice.

Nope, cardio will not help, lifting heavy will as it is one way to help ensure that the remaining weight you lose will come from fat, not lean muscle. I would suggest increasing calls by 100 now, and lift heavy get 100+ grams of protein.

Eatig at maintenance with just cardio will keep your body exactly where it is now, but will improve cardiovascular health and endurance. If you want to lower body fat you must have a deficit, and protein and weights will help it come from fat not muscle, as if you lose muscle your will just be a smaller version of what you are now.