I would explain to the tenant that they are in violation of the lease by making unauthorized repairs and if they repeat that they can be evicted.

If they report to the credit bureaus it will affect your DTI as your DTI is calculated based on what's on your credit report compared to your income.

One other question I've been researching is that if I simply use a bedroom in my home as an Airbnb to allow passive losses to become active, does that affect the rest of my rentals?

Refi and repeat that same process for a few years til we had actual money.

I'm trying to refinance so that I can free up my funds from my credit line that I bought the property with, so that I can repeat the whole process with another property.

Mason welcome to biggerpockets I also went to UW-WSuggestion for the next 10 years , if possible purchase four plex , duplex , triplex, last resort sfr for house hacking ( no immediate cash flow )Rinse and repeat until your personal lives change ( family, relationship, etc )Each state you purchase property :Develop a decent team to handle your investment properties while you enjoy your fishing/etc

I guess I'm hoping for ideas other than "use the HELOC to finance construction of a spec house, rinse and repeat." 

@Edwin PerezThe BRRRR Strategy involves buying a property below market value, renovating it, renting it, refinancing, and repeating the process.

Glass claims (windshields) absolutely can affect your pricing with your current carrier and especially if you're shopping with other companies.4.

From there every 20 point increment affect pricing differently.