A DSCR loan, or Debt Service Coverage Ratio loan, is underwritten to the property income instead of your personal income/taxes/debts.

So 27.77777778% of your gain is tax free.

Additional expenses include property management at $142/month, property tax at $1700/year, and other costs like insurance and maintenance.

Trying to determine how much longer I should do my own taxes. 

Gross negligence means:An act taken without exercising even the most basic amount of care owed to others.A deliberate disregard for the safety or well-being of another person.A lack of care that demonstrates reckless disregard for the safety or lives of others.A conscious and voluntary disregard of the need to use reasonable care, likely to cause foreseeable grave injury or harm.In other words, if there are potential hazards that exist at your property that you are ignoring, you could be considered grossly negligent.

I also have about $60,000 in a Traditional IRA that I thought of pulling, but the taxes and penalties might be far to great since I am 44 years old, not 59 1/2, but is still an option.

And remember to declare your rental income on your taxes so you can use that income to help you qualify for the next house hack!

There's certainly no right or wrong answer, and as you say, everyone has their own opinion, but generally I think you will find most people on this site having the opinion that such an involved structure may be overkill (of course, no one has a crystal ball either).California is generally more cumbersome than other states when it comes to taxes and filings.

Consulting a lawyer and accountant when tax season slows down but has anyone done this? 

I've got a rental that was a new construction in 2022, so no property tax was defined yet (based only on land value.