Most people, as @Patricia Berman is finding out, can just get their pet deemed as an emotional support animal and then in most cases you wont be able to deny the pet, charge rent for the pet nor charge for a pet security deposit. 

We could not, in our jurisdiction, legally deny the "guest" tenant their rights by writing an addendum that gave the original tenant more control. 

He advised that he has had two (2) mortgages be denied (one refi, one purchase) at the last minute after the bank ran the final soft credit pull and saw the loans were in forbearance, just days before closing.He stated that his bank and most others are NOT allowing loans to be funded if the borrower has current loans in forbearance.  

(Can anyone confirm or deny?) 

Assuming no major abuse, they will live for quite a while with pumping probably once every year or two at the cost of about $300 each.

I attempted to obtain a personal renovation loan shortly after closing on my first property, but was denied on each attempt because the house was just placed on record.

I denied the request and it went away.Can you imagine advertising a 3bed/2bath house and then giving a refund because the guest thought it was a 6bed/4bath?

. : )It's abused often to mean anything from replacing a light fixture, to carpet and paint, to a full blown reno where everything is replaced.This is important especially on a 100 year old building.

It used to only take 1 neighbor objection to deny the STR license, now it takes 4.

Given the pace that banks tend to operate at in REO sales I would be surprised if they denied your request to postpone closing.