So you had no issue renting this unpermitted room for years.

I’ve never had an issue renting because I can be flexible and invest with a bigger amount. 

Remember, this is a MA issue relying on a specific ruling, so responses from attorneys from other states who don't work in MA, while well meaning, may not be helpful. 

Additionally, Stearns Lending is an approved HUD (United States Department of Housing and Urban Development) lender; a Single Family Issuer for Ginnie Mae (Government National Mortgage Association); an approved Seller/Servicer for Fannie Mae (Federal National Mortgage Association); and an approved Seller/Servicer for Freddie Mac (Federal Home Loan Mortgage Corporation).

If I see that just about everything has leased out in under 30 days, and my house is is very nice condition, and my rent will be set at a competitive rate, I know I won't have much issue renting it out.CapEx/Maint: If you're buying a house and completely rehabbing it, you know you can use lower estimates.

It's entirely possible a bank card issuer (like Discover) would use one version, and a mortgage lender would use another version (hence why you might have seen the different scores).Coincidentally, there was just an interesting post on this exact same topic by @Russell Brazil the other day. 

In the 1800 house where wire very different (knob and tube wire), you might have bare exposed wires going inside the attic or inside walls from insulators to insulators, very old connections, etc. what if you have cardboard or a animal on top of this wires and you energize them, puff there goes your investments.

I am renovating an old house for rental and one question keeps coming back is whether to replace the old solid wooden doors with the new cardboard doors ?

If so you likely can obtain a re-issue rate on the new policy and save 30-40%.

Put drops on pieces of cardboard where they are found.