The biggest thing is you want to make sure you have everything clearly spelled out in order to avoid potential conflicts or misunderstandings in the future. 

So removing the grill was a misunderstanding....I have had tenants leave grills behind as they are dirty to move.

Again though, best idea, find a different mortgage lender.I think you are misunderstanding the OP.

I'm going to chalk that up to you misunderstanding the argument I was making, so I'll copy and paste exactly what I wrote below for ease of reference (adding emphasis):"Must we be forced to either leave our houses vacant or rent them to long-term residents only during those periods?

But maybe I'm misunderstanding how that works and i would also cover the cost if repairs?

@Richard Olshove ahhhhh, my misunderstanding.

Have I got my facts and information wrong, did I misunderstand?

For some reason the last couple phone calls made it seem as if we wouldn't qualify for an exemption, and we'd have to set up our business as a security... but this is probably a just a misunderstanding on my end. 

@Jonathan Wildy you misunderstand how vouchers work.

Again whether to create this additional entity depends on personal risk/cost choice.Is there any misunderstanding above?