I purchased it with a HELOC so higher interest debt until I can cash out refi.

Then another thing I see coming down the pike is the credit card debt.

@Joey Samudio, I'd recommend buying the asset with a normal 1031 exchange and then layer on debt for rehab after purchase.

I didn't realize this.I know you aren't on the lending side per say, but follow up question.If I have two buildings in my name with total debt of $900k and I am looking to refinance one of them that has $500k debt, would the 45% DTI be based on the total debt ($900k)?

This leads to issues with refinancing and could leave you with less equity or higher debt than anticipated.

I would go over there and ask when they can expect to be 100% vacated and let them know that you need to take possession asap.

It could also be worth looking into short term bridge debt.

but I’m starting to reconsider .Eating the Capital Gains will hurt a bit but we can apply the profit made towards some tax debt as well and then apply more $ to our primary condo out here and get relief of the PMI.OR do a 1031 .However, most people say an intermediary is necessary .I need to do research on how much someone charged for a 1031 .

I was just approved for $235k on my primary home and I have no personal debt.  

A couple of things: - If you put more cash down, perhaps there are opportunities on the debt side that emerge - can you find assumable debt?