More on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

Building a strong foundation with reliable management reduces risk, allowing you to reinvest the passive income strategically and grow your portfolio steadily without over-leveraging. 

The risk of "piercing the veil" applies more to LLCs when personal and business finances are not properly separated, not necessarily to individual landlords renting a portion of their home.A more practical approach is ensuring you have a solid lease agreement, sufficient liability insurance (including an umbrella policy), and properly reporting rental income and deductions on your tax return (Schedule E).

As you know, marketing and price are both very important, and vacancy will significantly impact your income, so you are almost always better off charging a lower price and getting it filled with a good tenant.  

If you are looking at this property from a residential and rental perspective, then it may work as long as you are willing to put your own income into the property. 

Through proactive maintenance, efficient tenant placement, and careful financial management, I optimized rental income and ensured a steady cash flow.

You could also use a listing-only service from a brokerage where you'd pay them $200-$300 to list it on the MLS, and you/your team would take all incoming calls from interested buyers, but it's a bit slimy since the seller may see it listed on the market when you appeared to be buying it.That would be the maximum value-capture of your off-market lead machine.

You came along last year and bought the property for $300,000 as an investment property.So in year one, your taxes were based off the previous owner's purchase price of the $100,000 plus any annual tax increases since they owned it.  

Don't change jobs or income yet.Once you do and you think you can manage the payments based on your new income, maybe once you get the rooms rented.Then if you want to switch there are plenty of opportunities. 

This way, you build income-generating assets first while keeping future options open.