Would you be able to pay down the HELOC without selling your home?

She refuses to pay rent and says she cant be out until April.

This leaves me $700/mo (plus $200/mo in reserves) to pay myself, which seems high for a “house hack”.Hindsight being 20/20, I may have bought out of my price range.

I would suggest going to the find a lender tab here on bigger pockets to find a local lender who has the same products. 

Additionally if you're running an active business in the IRA the income will have to pay UBIT.   

In reality, you are going to be the one to pay for that.  

I would, If in this position, take the equity in the form of a HELOC and purchase a cash flowing asset that would not only pay for itself but pay for the cost of the money while putting cash into my bank account each month. 

You could set the date out a couple of months to give the borrower some breathing room. 

Can you do side hustles, cut down costs to get rid of these debts?

You don’t have to pay $20k+ to learn to broker loans.