There would potentially be some weight issues with the 2nd+ floors of some shopping malls, depending on what the potential tenant wants to store in the upstairs unit. 

The issue I see most is the cashflow gets crushed by HOA fees and the added headaches of having them tweaking rules etc. 

If you are deadset on refinancing into a conventional loan, then you will likely run into seasoning issues.

A professional manager can find qualified tenants who respect your home and handle day-to-day issues.

In general it is not worth building a single ADU for a variety of issues but the largest is the cost to add the ADU is typically far greater than the value added by the ADU.  

Ran into a similar issue as you back in 2021 when I was living in San Francisco.

I’m going to disagree with @Chris Seveney and say whether an assignee could force a sale directly would be a state law issue and heavily dependent upon the contract terms. 

Coghill they are trying to take care of several things:1) Approval to access credit reportsA video tour of my home office (required by the credit repository to show security, so access to office & computers is limited to avoid data theft)Credit checks on me and my partner (required by the credit repository to make sure you are not criminals looking to steal others' data)Copies of the deeds for every property we own (required by the credit repository to confirm you aren't just self-serving)A copy of my partner’s home lease and utility bills (required by the credit repository to prove his legal address, so they can pursue him criminally if he steals data)Business phone bills (required by the credit repository to prove an actual business)2) Approval to use banking ACH system to accept tenant payments and pay ownersBusiness phone bills (required by banking industry to prove business legitimacy)A signed letter from the bank verifying our accounts (to prove legitimate business banking accounts.

@Ryan BroschardHi Ryan,You have hit a common issue many new investors fail to anticipate.  

@Rachel Jane a lot of issues here to consider:1) Does the condo association even allow rentals?