As I understand it State laws vary and have produced various modifications to "opt-in" of this information sharing.My questions are as follows:Can I opt-in or opt-out?

More short-sales and foreclosures from folks who will received modification that really just gave them temporary relief.

Many factors play into determining value, not many comps would have such a facility, the style as adapted to the home is considered, the functional utility as a residence may be less as well.I'd first call your zoning people and see if 5 or 6 kids requires a zoning variance.Having daycare services or other business activities in a residence is possible with conventional loans, but you can cross the line depending on the perceived liabilities of a business, any significant modifications to a property, public access and other aspects can cause financing issues.

Or, do a modification and reduce the interest.I ran the comps and only shows 3 houses, one pending for $119,900 and the other two sold.

Any service member who receives orders for a PCS may terminate a lease or is entitled to modification of debts to lower interest.

Besides that, they have all had different additions and modifications made to them over the last century.

With the ADA (Americans with Disability Act) you need to allow the tenant to install modifications to accommodate their disability at their cost.

Once the borrowers went delinquent, they will get a loan modification (usually with an expiration date), and no other lender would touch them because of this modification - a whole other world of problems.

Bare in mind, a large advance where you may be forced to add to the balance due from the Vendee/Buyer would require a modification of the contract, establishing new credit and could also make the asset less affordable for the Vendee/Buyer.  

This is after a modification, before about $300 was coming out of her pocket.