Is my first DSCR loan experience normal?

[Hana Mori]

My first DSCR loan experience was unexpected. I'm looking for guidance from this community. Is my experience normal?

I was given the loan terms verbally from a DSCR loan broker out in California for a cash-out refinance on one of my rentals. The appraised value is exactly what I estimated, as well as the market rent and expenses. However, right before closing, the terms changed drastically, and there were $4000 extra loan fees that were never disclosed during the month-long underwriting, despite my efforts to get a clarification on fees. The LTV ratio also dropped to 70% from the original quote which was 75%, which impacts the cash-out amount. None of these changes were communicated until right before closing. I already spent $1200 on the appraisal. What would you do if you were in my situation?