Built out the basement into a 2 bed/1 bath unit Lessons learned?

DTI is generally only used for "Retail" or "Consumer" mortgages where you live in the property.So a conventional/DSCR "commercial" loan doesn't necessarily mean higher interest than a "consumer" mortgage if it's coming from a traditional bank/credit union? 

You get into bed with these big lenders and all the fine print its like the Paul Simon song there are 50 ways to default and they will find one.

is it priced at retail despite the issues, or is it priced to move?

My priority is getting as close to cash flowing as possible with minimum investment on a 4 beds 2 baths but I'm also thinking about appreciation because you never know when you'll have to sell...

I wouldn't be able to sleep at night knowing that I had people in my properties that had mice or bed bugs or cockroaches. 

Couch, lounge chairs, bed, rug.

But a bedroom or a bathroom can be easily qualified in terms of dollars (I usually see $4,000-$5,000 allotted for differences in bed/bath count).Truthfully, if I can't find easy comps and if I can't make it easy for the appraiser to agree with the value I'm looking for, I just don't buy it.

@Justin Boyd just saw the location on this, I'm somewhat familiar with that market, we do quite a few retail deals in CLE and the surrounding areas, I'd be happy to give you an opinion on the site if its helpful.  

My unit is a 1090 SF, 2 bed 1.5 bath townhouse.