So had a Yamaha Tech take a look at the machine; good news is he found the problem. Bad news is, its a huge job.
Looks like the exhaust valves are all out of adjustment.
Flat rate calls for 14 Hours. The entire top half of the machine as well as the cross member have t be removed to access the valve cover.
So far it looks like the dealer (SM Sport) is going to help me out since thanks to the lockdown I can't take it to QC and they are going to work with my local dealer. Just trying to haggle out a deal on what they want to pay verses what the local shop wants to charge.