You don't want the weight of the chimney to collapse the roof when you take the main part out of the room. 

You can probably just copy/paste what you wrote here, into the body of the LOE and be fine.

I am the brain, they are the body type idea.  

Has any body have experience flipping houses in this area?

Doesn't this satisfy those at the OAR and other governing bodies?

You being from New York, your opinion carries some serious weight.  

That should be some big arsh foundation you need to support the weight of the exterior and all that.

Good tenants are worth their weight in gold.

., the steel "bumped" the backside of the beam pocket when it was being placed; the weight of the steel can easily do some damage on an un-reinforced section of wall like that).Time and/or the freeze/thaw cycle, may have eventually popped it loose.If the beam has proper bearing on the foundation, then this may need little more than to simply be patched properly.  

You have as many scores as there are credit reporting agencies, credit scoring models (FICo, Vantage, etc.) and different situations where you might apply or a loan or for credit.Home loan lenders will get a (set of) score(s) weighted toward home loans - mortgages, HELOCs, etc.Auto loan lenders will get a (set of) score(s) weighted toward auto loans.Credit Card companies will get a (set of) score(s) weighted toward unsecured revolving credit.... and so on.That is, you don't only have one score - you potentially have thousands.Actually, to be the most accurate, you don't have any credit score at all - until the scoring calculations are run and a result is reported.