Re-habing a house from scratch is very difficult, we are doing it by ourselves which is even more difficult but enjoying the process and learning.

Could be a glitchOr something more sinister (haha)That is frustrating!

The question here is how can I rely on myself doing more diligence when it comes to liens, issues with HoAs that may have financing declined or things that may affect me when buying cash!?

They give informative reports and include video walkthroughs with every report which is helpful

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

I'd agree with @Devin Peterson, best way to get this answered is to get a few quotes from different lenders and compare - either on BP Find a Lender or just googling (also if you post a version of this in the Classifieds subforum - or it might get moved there, you can interact directly with DSCR Lenders here - although this subforum is more about technical questions).

It's not liked by most Building Departments because it puts substantially more occupants in a building and each with locked individual quarters and highly taken advantage by slumlords creating fire hazards.

Here to help,  Get'r done.

While you start working on getting your first property I would network as much as possible so you know who to connect with in your area when help is needed. 

Thanks for all the help in advance