As for the refi side, DSCRs are an excellent tool to utilize as they are based off the property, not you as the borrower, so no DTI hits / personal income verification required.

You are required to disclose that debt, and it will be a fairly easy catch for an underwriter, even if it's not on your credit report. 

That will require somewhere between 10% - 20% down. 

@Mark Thiel This is not legal advice but I think most LLCs are overrated unless you are required to have them for lending like with many DSCR loans.

As per the HSTPA, any changes to a tenant's lease whom have been in place for over 2 years requires a minimum of 90 days notice, regardless of what the lease (or lack thereof) says.  

Anything 2-4 units will require 25% down. 

Many cities now considering allowing ADUs have off street parking requirements for example. 

The base zoning required 25 feet of frontage and a lot area of 2,250 SF per house.

I also wouldn't be where I am today in terms of my contacts and relationships with vendors, to be in a position to self-manage confidently out of state.All that being said, if another deal with the same amount of hair on it presented itself to me today, I would pass simply because my risk profile has changed.

I’d recommend starting with business credit cards that only require a soft inquiry, so you don’t risk a denial from one bank that could influence the others.