There i a bit of research that needs to be completed early on in order to get a good judgement on the feasibility of this; from there, the "Official" way to ensure you could pursue this would be to request a "Zoning Opinion Letter" to receive an Official decision from the Department of Zoning in order to ensure this will not cause any issues during your permit review. 

And even if the tenants chooses to stay in your property for 2yrs, the damage they may cause will eat away all of your cash flow and leave you potentially upside down.

Did they previous take on bridge debt and has that caused them undo "pain" in the recent years?

In some cases, after running the numbers, I’ve even faced potential negative returns, causing me to miss out on promising deals here in South Florida.That brings me to my question: I currently own two homes—one is my primary residence, and the other is a rental property.

When I purchased my first property in 2020, I feared then that COVID would cause a downturn, but I was thinking longterm and got "lucky"Many experienced investors I speak to have the same few regrets 1) I wish I started sooner2) I wish I bought more3) I wish I never sold

If they haven’t been paying and causing problems why would you want them to stay?

This reminds me of a police officer  pulling somebody over without reasonable cause and asking to search their vehicle and if the person does not consent, they’re saying you must have something to hide.

Appraiser's learned a valuable lesson in 2008 when they were accused of being one of the causes of the great recession.

This concerns me about the potential to maintain a solid tenant base and would likely cause a higher vacancy factor.

If it is covered it's usually if caused by a covered loss meaning mold develops due to some other covered peril.