It’s a big decision and shouldn’t be taken lightly…because you are right- it’s going to take time, effort and money (by way of loans/debt) to get that MD/DO.

The only reason I am hesitating is that the loan officer wanted to run a hard credit pull even to send me a term sheet which was really strange.

I'm what people might describe as a "jack of all trades, master of none" (although at this point, due to my current career, I have a fairly deep understanding of interest theory, loan amortization, assessing risk, and certain other financial topics).

Most 5+ unit programs have loan mins starting around 500k. 

Jerry, multi-families small balance loans mainly and financing that makes sense below 7% with longer terms as we buy and hold. 

Do you know if the loan is backed by either Fannie Mae or Freddie Mac?

You'll have to put down 20-25%Getting the vehicle off your DTI will definitely help, see if your family member's credit is good enough for them to refi you off the loan.

My current APR is 7.15% I'm pushing towards the HELOC because lower cost on closing costs and refi interest rates are the same as my current loan right now. 

Matt, first thing to make sure is that when you are using a HELOC it is for a short-term loan.

Which leads to my second question if I cannot get the HELOC I am considering a DSCR loan, but curious if I could do a house hack with a DSCR loan?