Their "local metro managers" have no authority, no access, and no way to actually help - they basically act as a buffer between the client and the home office.

They have a branch office in Massachusetts.

A new loan officer or one not familiar with DSCR might offer you the best interest rate and fees on a DSCR loan because their pricing engine told them, but your specific scenario may not fit. for example, a deal I am currently working, First time investor, First time home buyer, living rent free, seeking 80% LTV purchase, Using Short term rental income to meet DSCR, with gift funds. 

When you have STR like airBNB or VRBO DSCR does allow that income unless you can provide a previous 12 month rents received or a print out from VRBO.The alternative to that is if the lender or UW will allow the appraisal to use MTR/STR income/rent schedule if the rents and property is common to the area in terms of rent available for the apprasier to show proof.My advice to you is make sure you do your home work and deal with a seasoned Banker or Loan officer that funds multiple DSCR loans per month. 

The majority of data is open source and we can get it by simply looking at Zillow, county websites or heaven forbid taking a trip down to the county clerk’s office and actually pulling the documents.

Just gotta talk to the right loan officer! 

For instance, when new industrial parks or company offices open up, it means more people looking for places to live, potentially increasing your rental income.

Unlike it's buddy Office Building.

While there are several reasons why you can be targeted for an IRS audit (including running for an office, it seems), the most common reason is the IRS computer finding enough "red flags" in your numbers. 

I'm wondering if the loan officer was considering a "lite-doc" type of loan..something in between a coventional and DSCR to try and get you better terms.