This is my grandma's Betta, and I just got here to find that he seems to have a lump on his upper tail?

I tried to attach a picture, lets see if that works.
It's wide and has white spots (doesn't look like the pictures of ich I saw online?) and the white is most noticeable on the one side and isn't anywhere else on his body.
I come down monthly to change his water completely because she is unable to do it on her own, and my uncle also keeps an eye on him, but hadn't mentioned anything.
Oh! And it has one of those non-adjustable heaters in his tank that fluctuates TOO MUCH and I have a new one that I brought down to switch it with this trip.
PLEASE HELP?
Housing
What size is your tank?
2.5
What temperature is your tank?
77.9 average but today it climbed up to 80.
Does your tank have a filter?
No
Does your tank have an air stone or other type of aeration?
No
Is your tank heated?
Yes, non-adjustable heater I was planning to change tomorrow to an adjustable one
What tank mates does your betta fish live with?
None, but he had a ghost shrimp friend that died a month back
Food
What type of food do you feed your betta fish?
Betta Bits from Top Fin
How often do you feed your betta fish?
Two pellets twice a day (two 'smaller' ones in the morning)
Maintenance
How often do you perform a water change?
Monthly 100% weekly 25%
What percentage of the water do you change when you perform a water change?
100% monthly 25% weekly
What type of additives do you add to the water when you perform a water change? Top Fin dechlorinator
Water Parameters:
Have you tested your water? If so, what are the following parameters?
Ammonia: between .25 and .5 (tomorrow is cleaning day)
Nitrite: 0
Nitrate:20
pH:7.2
Hardness: 75
Alkalinity: 7.2
Symptoms and Treatment
How has your betta fish's appearance changed?
My grandmother things his fin is "less flippy" (I think she means shorter but I don't think it looks like fin rot? But look at the picture above and let me know what you think because I'm pretty new to fish)
How has your betta fish's behavior changed?
He seems aggravated to me, swimming fast. And he's been sitting on the rocks at the bottom more than he used to
When did you start noticing the symptoms?
I noticed today, but it wasn't like this three weeks ago when I was last down. Grandmother says this is the first time she noticed, but not the best eyesight.
Have you started treating your fish? If so, how?
Nope, just did the test strips.
Does your fish have any history of being ill?
No
How old is your fish (approximately)?
She has had him for 6 or 7 months (bought him at petsmart and he was full grown at that time?)