Whatever you decide, it sounds like you're in a great spot and I wish you the best of luck! 

And some of these left HML in a tight spot borrowers could not access their draw money.. this happened just recently to Fund that Flip.. and their borrowers I know i got a call from one of them that was owed 300k in draws that was not coming.I can understand that rates aren't what they are when you close as when you get quoted, but if you offer a "rate lock" and use that term, you need to stick to it even if you aren't required by law to do so.

That's pretty industry standard. 

Instead of focusing solely on the popular spots, they expanded their search to neighborhoods like Linda Vista and Lemon Grove.

Specifically, where are the opportunities and how do you spot them? 

Some examples of properties with high asset reclassification include medical clinics and hospitals with technical machinery and labs, grocery stores with machinery, shopping centers with rainwater drainage systems and large parking areas, industrial manufacturing facilities with advanced equipment, apartment buildings in suburban areas with swimming pools, golf courses, tennis courts and large parking areas for tenants.Here’s a list of the average amount of assets that can be reclassified into shorter asset life classes based upon the type of property.

Agree 100%, trust and transparency are what set professionals apart in this industry.

Would my previous industry experience (property management, acquisitions, asset management, Realtor) improve my chances of qualifying for a DSCR loan?

To piggyback on Henry's comments, he's spot on with #4.

Commissions don’t like to do Spot zoning changes.