- the debt will impact any other loan.  

Working our on capital stack for a large multifamily development and needing some different options with private debt/equity.

You can do a HELOC on rental properties with some lenders to access the cash, but you’re essentially taking more debt out on them.

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

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.

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

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.