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

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. 

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

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.

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

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...

I'd also check if she's currently on her utility bills (if they are tied to the house rather than the person living there).

In fact, I respect the hell out of the fact that you’re stepping up and trying to gain knowledge in this business.

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