Proof, what nations have the lowest debt to GDP? 

Being debt free and having capital saved puts you in a solid spot. 

UDFI or unrelated debt financing income only applies when there is income on the property.

Dave Ramsey advice is for the masses who cannot manage to constrain spending to their budget and accumulate large debt.  

Use a clear budget, timeline, and exit plan to either sell on completion and pay both liens from closing, or refinance to permanent debt and then sell or hold.

Doing this will eliminate co-mingling of funds and give you a clear picture at the end of every month.

If long-term rental cash flow won’t cover that debt safely, consider a wholetail/novate to a retail buyer, or sell on terms as the bank (rent-to-own/owner finance) to capture higher price and avoid full gut costs.

@Ruth Schrader-Grace there are loans that will not hold your departing residence against your "debt to income" ratio. 

@Carlos Lopes the short answer...buy more.You are very well-leveraged with GOOD debt, not bad debt. 

By eliminating the separate, "service fee" line item at guest checkout, the "all-in" pricing model aligns better with modern travelers and hotels.I personally believe this helps everyone in our industry attract more guest demand.Guests see the final price up front, reducing the "sticker shock" that often leads to cart abandonment.