Last year was a good year for my business and between student loans, medical, and a small amount of consumer debt, we paid off a whopping $34k in debt in about 13months and stashed about $10k in savings.

If yes, then you should be fine since you don’t necessarily need the new unsecured debt. 

If its through excel or pen and paper, how do you categorize your debts vs credits?

there are other lending programs that would not require this but if you are wanting the best programs agency debt then @Janelle Groenhout has the right idea

I have zero debt of any kind.

The bank that gave us this commercial loan looks at the debt-service cover ratio (DSCR) and didn't care that the down payment was a gift from a family member.

Does the negative balance indicate that there is a unpaid taxes debt to the county (meaning, if I see debt in the county account it should be referring to the same debt)?

Or, they are not telling you about the other predictions that did not work out as planned.If you are really worried about a market, use less debt.

As of right now we are heavily focused on being debt free so we are limited with cash.

I have eviction by a court order, judgement of possession, but the sheriff is busy for 6 weeks.