Lake Quinsigamond runs four miles between Shrewsbury and Worcester, is up to ninety feet deep, and has eight islands in it. It also has a shoreline lined with houses that started life as something other than houses.
A significant number of homes along the lake began as seasonal summer cottages, built when Shrewsbury had a resort population that came out from the city for the warm months. Those buildings were framed, founded, and insulated for July, not January. Over the following decades most of them were winterized, added onto, and converted to year-round use, often in stages, often by different people, and often without anybody stepping back to reconsider what was underneath.
What that means in practice is a house where the foundation may be shallow, pier-set, or partially on ledge rather than below frost depth. Where original framing is undersized by modern standards. Where insulation was added in the cavity of a wall that was never designed to hold any. Where three additions meet at rooflines that do not agree with each other, and where the water finds its way in at every one of those junctions.
None of that makes these houses bad projects. They are frequently excellent ones, on land nobody is making more of. It does mean the assessment matters more than the floor plan. We look at the foundation, the framing, and the roof connections before anyone draws a room, because on a converted cottage the honest answer to what a renovation costs is determined by what is holding the building up. Our masonry background matters here, since the foundation is usually the question.