This is a big contrast from CRE dscr calcs that typically include all this and is calculated NOI/Debt Service. 

Pay off my debt. $173K - $147K = $26K. 

This but taking it a step extra: If you own a business in an S corp, having a C corp as a management company to do solo 401k and hold cash for any retained earnings needs can be a perfect addition to those who have SBA debt and want to pay it off quickly.

Credit scores are tricky because there could be items like medical debt or student loan debt that weighs the score down. 

Would hiring someone through up work be a good strategy to cold call on prospects for giving me an opportunity to CoHost their STR?

Im making 85k on w2, $1,600/mo. mortgage, no car payments, no credit card debt.

You can refinance with a loan that uses your personal income and debt to income / DTI ratio or a DSCR loan that will use the rental income to structure the loan. 

A child support or alimony order is a debt, it only becomes income when it gets paid out and that is when it counts as income for an applicant of mine.

the leverage of buying with debt, the mortgage paydown, the potential for appreciation, the potential tax benefits.a good market is one you can be successful in. 

House debt: 7500.004.