@Sohail Ahmed Jokhio from your questions, it appears you are looking at real estate investing as a "job" or a university curriculum.There's NOTHING stopping you from accessing everything you need online - except the limits of your perceptions.Not aware of anyone here that's going to be your guidance conselor and lay out what you're asking for.

Atlanta Renter Warehouse appeared to be what I needed to find good tenants. 

Appears each unit will rent for $1200, so find some middle ground on the cashflow -$400 up to -$1200 to make a realistic offer.

If you want to appear professional and on top of that get liability protection, put up an LLC and close under the LLC. 

The main difference between this year and last year does not appear on charts or graphs.

In researching this, it appears that the auto-conversion may be on a bank-by-bank basis, and would depend on the HELOC product you have chosen. 

It appears you have some great skills and experience to move you forward in this endeavor.

The payment appeared to be in processing, but after 4-5 days it was declined.

They show on your tax returns, and bank statements.There are many underwriting tools to expose private money ones that claim they don't report to the bureaus- they also sell and securitize the loans so what they told you on the phone is of no value, they get reported.All NonQM standard DSCR loans show on your credit report.DSCR gone bad shows online, in court records and in the curbside view (property appears distressed and attracts code violations/fire inspections and investigations...

If it appears they have moved improperly, it might be a good idea to get the assistance of a lawyer.Unfortunately, you have learned the hard way the biggest weakness of condos and townhomes for investing: The HOA board can dismantle your investment returns with a simple vote.