I know that in Biddeford, it seemed like having a proper frost wall foundation was needed to make a garage habitable, or even attaching detached garage to a home. 

Your Airbnb design plays a vital role in your hosting success.

Possible Options:Advise that the room is no longer fit and habitable. 

The lot isn't important- it's only land which won't be covered but can you get hazard insurance is VITAL.

I manage thousands of habits and have seen a few things, some of the advice coming your way could possibly create a big problem for you down the road. 

Both of these are on the habitability covenant list so I would rather be proactive than be at the mercy of an emergency repair invoice.

Cash flow is important, of course, because liquidity is a vital metric, but it's not the only thing that matters.

I guess it's out of habit that I give out free advice to those that come on this forum (like most of us) based on my years of experience (like most of us).Troll? 

Depending on the state of the property of the interior, if the appraiser can mark it as "as is" and not "subject to" meaning that the property is habitable now and not subject to work being completed, then you can get a DSCR loan since it's an investment property.

It boils down to “habitability” because here in the good ol USA we all expect to have a fridge, sometimes more than one and a freezer!