I'm trying to clarify if the DCR loans negatively impact my personal debt income ratio.

And since the S-Corp’s profits pass through to you, you’d still pay personal income tax on the rental income.

If you own enough properties you may eventually be able to get business loans/lines of creditRefinance in LLC/Trust is nearly identical as when doing this in your personal name. 

Looking for recommendations from people who have personally used a specific lender and had good experience.

Currently, I own Luxury Autowerks, an auto shop in Denver, and I personally self-manage the ski-in/ski-out short-term rental in Keystone, CO while also helping to diversify and expand my families real estate portfolio.My long-term goal is to own apartment buildings (100+ Doors), and I’m taking my first steps into acquiring our first small multifamily property.

Sell it in your personal name; sell it from an LLC.

Currently working through a live-in first-floor renovation at my parents’ house, and we’re finally nearing the end of the rough-in stage. It’s exciting to see everything slowly coming together!
I’ve helped with family...

We are thinking about taking out 100K for personal expenses once we finance.

Since your rental is currently held in your personal names, transferring it to an LLC before selling could complicate the exchange.

Investment Info:

Single-family residence buy & hold investment.

Purchase price: $672,000

I bought a primary home with a 5.1% rate. I will finish the basement and rent out for about 1800 a month to mi...