My only other debt is 250/month for health bills with 2.5 years remaining, retirement accounts (pre-tax 401k, after-tax 401k, back door Roth IRA) as well as start increasing contributions to taxable brokerage accounts (goal in medium-term is to significantly increase this).

I have a 100K Heloc on the property.( No other debt on the property besides that)  I am thinking about doing a cash out refi, and then move forward with the finding a property.

Not sure if I'd still choose to pay it off if I could do it again, but happy to have zero debt on the place.

Hello,I am looking to invest in a multiunit property, but I am nearing the debt to income ratio most banks require.

IE: House Hacking - 1) Identify a 2-4 unit property I can live in and rent the other units such that net rents cover most of or exceed the mortgage payment, goal: live rent cheap-or-free; 2) Secure long-term fixed rate mortgage/debt; 3) Hold and live in the property as I focus on honing my property management systems/skills and accumulate of capital for the next deal.Step 2: Call financial institutions (local banks, I'd start with Happy State. credit unions, Frost, etc) and figure out financing options for your chosen strategies.

Private money is a good option because there is little red tap, the focus is on the collateral and equity position, not the borrower income and debt.  

With inflation on the horizon, I think that hard assets and long-term fixed rate debt are the places to be.

.  ;(   Have taken good education from a REI guy who also is good in the stock market show that;  REI with full leverage (a mortgage) including appreciation, debt paydown, rent appreciation out performs the stock market (ave over many years of 13%) by 2x easy. 

In such cases, the lender must give careful consideration to the nature of the borrower’s level of experience, and the amount of debt the business has acquired."

Yes some national private lenders are offering this debt service coverage ratio product.