Which can also be an added debt obligation and add to an additional trade line/lien on title. 

If it was me, use it first to pay off all other debts (except primary mortgage), then put it in savings to build a nice emergency fund, and then you'd have to do the math on refinancing and your payments to see if pulling out the equity would be worth it.

That property does $165k in gross rents, with a Net to owner of $68k after all debt service, and paying for property management.

Specifically, looking to build wealth/income via the 3 core benefits of RE investing: 1) cashflow (feel quite strongly that things need to cashflow neutral and more than likely positive from the onset) 2) appreciating over the long-term (I understand boom and bust cycles will come) 3) Having tenants pay down debt to create equity.Syndication - this is something I have lightly looked into but based on everything I have seen the return are good (6-10%) but not as strong as they could be if I do this myself.

Time forgives most (not all) overpayment on real estate because of the power of inflation to destroy debt and induce appreciation.

A 10 plex generating $120k/yr may not make sense using 6% debt but might make total sense at 3%. 

@Jennifer KnestrickIf the property is 90%+ occupied for the last 90+ days; I would suggest looking into agency debt.

Your net worth is simply what you are worth at this point in time, whereas your taxable estate is everything that you own (assets) minus any debts (liabilities).

Everything was going to be in my name, and my wife wasn't going to be attached to the loan or anything.Now, as we are about to go to the area this weekend and stay a week to find our home, and house hack, the lender told us that our debt-income ratio is too high because she had to put my wife's info as she is part of the household. 

What are some options of side stepping the debt to income ceiling?