It's a little discouraging when most of these replies are "clean up your credit".

My guess is that the lender has terms for a non-assumable loan. 

And live in the 5th non conforming bedroom.

Many times it's for the simple fact that there are too many people touching a file, and it gets lost in the cracks.However, I can't accept your comments that this is a clean and clear system, or we wouldn't have just had one of the biggest lending and finance crashes in history just recently behind us. 

The perk test went great, the land looks suitable to build a home on, and the deed is clean.

The results categories are listed across the top, and the results themselves are viewed in a clean list below.

if we can net 260k, we should have a clean 100k left over after we payoff our mortgage. 

And you make sure the temps in the coldest part of the house with pipes does not get to freezing.Working heat is also something to be aware of with tenants who may get heat turned off for non pay...

Google "bifold door ideas" for inspiration.I guessing you have plain slab interior doors in the rest of the house, so I'd recommend a simple, clean design to complement... like louvered, or a multi-paneled shaker style, or with large single frosted glass panes (they'll glow when the light is on in the laundry).

It’s not as “clean” as Call Rail though, but it is cheaper if you’re just getting started.