Personally, I’ve decided to sell two properties out of my portfolio of 26 to address some unexpected expenses and other debts.I was hesitant at first because I didn’t want to let go of any properties.

I have used LIma one on my personal new builds  ..

Feel free to reach out to me personally.

I would personally rather be the guy with the lower purchase price and higher rate, but it doesn't help a brand new househacker in the short term. 

That being said, I would use the "Lenders" link on BiggerPockets to try to reach out to more lenders about any programs they have that may fit your needs.Granted, my personal experience is somewhat dated, but when I was primarily doing BRRRs, I had a local lender that required 12 month seasoning on my first two deals.  

If you’re looking for a cash out refinance utilizing a conventional type of loan then you can certainly pay off personal debt.

You can probably find an online link about how extreme temperature changes are not the ideal way to heat a home and cost more in the long run.I don't know what the local rental rules are where you are, but look them up and see if you can give her notice. 

If you have plenty of money then it probably wouldn’t matter how much the property costs, but for a $1MM+ property I’d personally want at least a 6-7% annual return through cash flow (15% or better preferred) and a pretty good idea that it’s going to appreciate solidly.

Are all of your leases between tenants and your personal name or the DBA name?   

TLDR: Bad idea for your personal home.