They cut operations staff down to bare-bones, cancelled over 1,000 listings with no notice, and moved entirely to a revenue-share model (which is why they eliminated those 1,000 listings, as they were non-revenue share). 

Consider using the snowball method to help you eliminate debt.

I cant tell you how many times I've had to explain to investors that there is no magic DSCR wand that eliminates the personal credit risk/impact or allows them to borrow 100% of the purchase price or whatever. 99% of DSCRs require a PG which WILL impact DTI on any future loans, whether SBA, mortgage, consumer, etc.

This would also eliminate the need for gas at the property as you can go all electric in the buildingI am not sure on the cost per se.

Here’s why:Complete Control and Lower Risk: With a cash purchase, you eliminate many of the complexities that can come with loans, such as interest rates, appraisals, and financing contingencies.

Also, the LLC does NOT eliminate any personal liability on the next loan application which is a popular selling point by ill informed DSCR brokers on this board (but they rarely mention the higher financing costs that come with financing in a LLC) IMO, proper insurance coverage is a better choice. 

Quote from @Henry Lazerow: They eliminated the co-op to make the home more affordable?

We're finding houses for buyer not buyers for houses" finding buyers first eliminates most of the guess work and you can hear your property search toward what your buyers actually want rather than tying a property up under a contract and then finding a seller that may or may not be interested in your deal cuz it may or may not be apart of their criteria.Sorry for the overly winded comment.

Also be mindful of existing or proposed restrictions - I don't recall anything extreme proposed in Ludlow or Dover, but Wilmington is being very aggressive in all but eliminating STRs.

Given that your rental property currently cash flows over $3K/month, the DSCR might be too low to qualify for the full $900K loan, unless you can show additional rental income or strong reserves.If your goal is to access that $200K for another investment, refinancing with a DSCR loan could be worth losing the low 2.99% rate, especially since it would eliminate the high-interest HELOC.