You know, I kind of wanted to make a smart ass comment about how this is the first time you've mentioned a 55-200, but I really feel like you would give us your whole life story again. And I just don't want that.
This is what I want you to do. Step out of your own little world, re-read this entire thread. Then apologize to everyone on here. The only person that EVER mentioned a $2000 lens, is you. The only person that never tried to help you, is you. The only person that failed to answer even the simplest questions, is you.
Now heres my suggestion which I feel you may of already came to. You're best bet, is the Nikon 55-200 4-5.6. New, they are around $180..though I can guarantee you can get one used for around $120 (Craiglist.com for local, KEH.com for higher priced used - always in stock, or Fredmiranda.com for forum based selling - lowest prices.)
Heres a link for a new version of this lens. http://www.bhphotovideo.com/c/product/486717-GREY/Nikon_2166_AF_S_DX_VR_Zoom_Nikkor.html
(side note for other readers, Im not experienced with D40s, nor kit glass, he does want the IF version right?)
"any one have a brazzers account i can use for like 20 mins?"