I’m looking to refi to reduce my debt to income prior to buying my next house hack property.

This would make the debt service $5,457/month.

The rental market in the surrounding areas are strong and have an equal if not lower entry cost than even using a FHA loan in the current market for the SFH.What would be the issue, outside of your paying someone else's debt off and not your own, with getting a couple multifamily units and leveraging into the area and house you want while paying rent?

My experience with commercial loans is the bank spends most of the time analyzing the deal, most commonly they use Debt Service Coverage Ratio (DSCR) or Debt Yield to analyze these situations.

Like I sold my favorite motorcycle to pay off my car, get debt free, and start buying assets instead of liabilities.

This is for a $7.8m purchase with around $4.5m in debt. 

What credit cards are you using to accumulate points for flights and hotels?

Debt service ratio loan if you have good credit can help.

I am considering selling it and my realtor said we would list at $399k-  I figured it would be a good idea so I could pay off my student loans and other debt acquired from the pandemic.

@Andrew JacksonThe tax implications will depend on how the funds are given to you.Are the funds given to you as 'debt' where there is a promise to pay back the principal along with interest?