How, exactly, have you been training? How long have you been training for fat loss? What results have you seen?
All the symptoms you mentioned aren't necessarily overtraining. That could just be from being in a calorie-restricted diet and training hard. Fat loss is a pain in the ass. This we know.
Taking four days off and not training at all would be punking out, and the first step away from reaching where you want to be.
Keep active and do something productive, not just some light cardio. Now might be a good time to switch your training routine around (depending on the answers to my questions above).
If you're used to doing 45-minute cardio sessions, look up the Tabata method for something very different and very effective.