But I read somewhere you need at least 160volts to run an MPPT... is that not correct?
I would have just 120v with 4 panels.
That is not correct. Many of the MPPT chargers have an absolute max PV input voltage of about 140V to 150V.
The PV panel label (or data sheet if label doesn't have all the specs) will give Voc, open circuit voltage at one standard sun and 25 degrees C.
Also, temperature coefficient of Voc in either V or % per degree C. Something like -0.4%/degree C.
In my location I assume -15 degrees C as a record cold temperature, so -40 degrees relative to ambient 25C, and max Voc is +16% compared to label Voc.
That's the maximum. There will also be a minimum Vmp. If your string of panels has its Vmp drop below MPPT voltage range of the inverter on a hot day then you'll get less than full power. That's panel temperature not air temperature, maybe about 65 degrees C unless you are in a hot location.
"300-watt solar panels 8.9amp 31v open"
Label shows 31 Voc? How about 8.9 A ... is that 8.9 A "Isc" or 8.9 A "Imp"?
If Isc, then 31 Voc x 8.9 Isc = 276, which is less than 300. And "Watts" doesn't come from product of open circuit voltage and short circuit current.
Even if Vmp and Imp, 276 is still less than 300.
Those figures don't seem to match a 300W panel. Got a picture of the label, or link to data sheet?