We are completely debt-free with about $75K liquid in cash and $60K in accessible savings accounts.

For a conventional mortgage, (the loan type best suited for your plan), you will need more than twice as much monthly income as monthly debts (including the new mortgage, student loans, car notes, credit cards, etc.).

And it gets even harder when you havent had a job in 5 years, and have over 10 properties and banks dont like that you have so much mortgage debt.

No debt on rental.

In addition, given inflation, I'd lock in as much long term fixed low interest debt as possible on cash flowing assets right now. 

So my options are to refi the home and still have substantial refi cash, and a rental property that cash flows 2-300 dollars a month.Or I could sell and have 100k in cash in the bank debt free, which I could use to BRRR 2-3 more properties.

We live pretty frugally otherwise and have no debt other than our mortgage.

But you do not have to carry equivalent debt. 

Hello, I have an eviction action judgement against a former tenant and wondered if anyone had used a debt collector in the Phoenix area that you would recommend, to help collect the overdue rent and fees outlined in the judgement? 

House hacking is a great option but if you have any debt (consumer, student, auto, personal) weighing you down it's not wise to buy real estate.