For instance, one property seems to have an extra bathroom that is not listed in the county records.I plan to make some modifications, including removing a closet wall to expand a bathroom and taking out a kitchen island that contains electrical outlets and a switch.

Realize that since his reviews include affiliate links he is making money on that so be careful with what you read.

If history is any guide, it won't happen and it is in nobody's interest (including the cartels).

I read it a lot of different places including on bigger pockets.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

This includes endless content on how to better create content.

Quote from @Jaycee Greene: If you go the conventional/DSCR route, these are considered "Commercial" loans and the properties are referred to as "Non Owner-Occupied" and, as such, the cash flow of the property is most important, and your DTI is not generally included in the underwriting.

Once billed, those in violation of the policy won't be able to rejoin BiggerPockets, including prohibition of the use of the agent/lender finder tools, forums, and private messaging system until their bill is paid. 

I know many investors from around the world including many from Ca that have been as well.

Houses that sustained fire events have long term consequences including structural damage and mold that results from water intrusion required to extinguish the fire.