Yup How would I know the advice one person gives me is good advice if I am a newbie?

This person is asking for specific website.  

DM me if interested in getting a personalized game plan.

Based on the income of the property no your personal income. 

BUT you can skip the income piece, as "qualifying" will be based on rents received, not your personal income.

DSCR loans are a great option for anyone that doesn't fit the conventional "box" - DTI isn't a factor, no employment info needed, no W2s, paystubs, tax returns, 1099s, etc. needed, you can close in an LLC if you want to and many lenders don't report to personal credit, so those loans won't affect your credit score/DTI for any conventional financing you might pursue in the future.

However from my observations the squatter occupied properties tend to be in lower barrier markets and I wouldn't personally want to spend my time and effort trying to create value in such neighborhoods.

I'd personally wouldn't refi it.

These professionals can provide expert guidance, conduct a thorough assessment of your property's valuation, and represent you in negotiations or appeals with the assessor's office or assessment appeals board.Attend Assessment Hearings: If your jurisdiction offers assessment appeal hearings, attend these hearings to present your case in person.

Each person further down the line hoping they can scam their way in to get paid, and actually having zero idea who the actual contract holder is or who the seller is.