You can check the many conversations happening here and use them for market research.

I had an unpermitted garage conversion on a house in Texas. 

All of these things can be largely avoided with an honest conversation with an experienced lender that knows what questions to ask to get an idea of what needs to be done.

Does anyone have experience in kitchen conversions, hospitality conversions, etc?

You can hold the tenants responsible in that way.But to echo what the folks here are saying, sitting down and having a conversation with either party regarding their break-up and the present situation would be a no-go for me.

Minor detail to factor into your conversation. 

"So, it might be worthwhile having conversations with both, explain why you are likely to go with the other lender, and see what better offer they each come up with.

Please let me know if you would like to connect to have a more in depth conversation on this.Zach

It gives me a chance to enter every apartment and have friendly conversations about the property and trouble spots. 

Been having a lot of conversations with clients about this one.