Reaching out to the community to make sure I'm not off base here to immediately think to decline this offer.  

I never thought about maybe they are assessing it based on wrong fundamentals such as you said.

See theolivejar(dot)co for her website.She is an LA-based STR designer who has helped a lot of clients get to the level they need to.

I don't remember the exact cost when I did it but I remember thinking it was cheaper than expected.I didn't see a comment mentioning that you should just include utilities in the rent and increase it based off that so I'll be that guy.

Will they base their calculations solely on the income from the two legal units and disregard the non-conforming basement?

It's a 3 restaurant package in West Virginia (where we already have a base) and includes 1 piece of real estate.

How do I navigate taxes on this property between the two states, I only plan to have a rental property in Oregon right now, but I will be living in California.I'm also based in California. 

One would learn more just by reading these forums and absorbing the knowledge and experience from the people who've done this before.A book is fine, these books are based off what? 

I'm based in WI and there are several people from NY investing here, some successful and some not---the common thread I see from the ones that are not is that they relied on someone else for information instead of investigating, VERIFYING and doing their own due diligence. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.