While the SBA doesn't currently have a mechanism to help independent contractors like myself, they are far more open to helping plumbers, appraisers, and anyone else that has organized themselves as business. 

I have one tenant who hasn't paid in 6 months, broken 6 of the 7 windows in the unit, put a hole in the hallway I just had skim coated and repainted, kicked in the front door to the point the jamb actually came out of a plaster wall, broke the glass window on their apartment door, broke the shower glass door, broke another small window on a basement door, kicked in a door leading to the mechanical room so their homeless friend could sleep in the room and subsequently died last week of a heroin overdose in said mechanical room.

The most important part of his article, which is super informative from a mechanics of CRE capital flow point of view, is this chart. 

The outside looks like it could use a paint job.It has a new roof, updated mechanicals and a tenant that has been there 7 years and pays on time.

In the same way we had an ocean of elective foreclosures in California during the last downturn, there WILL be a ton of tenants who elect to not pay rent simply because the mechanism of enforcement of the payment of rent has been removed.

If your zoning application WAS approved, you would then have to submit signed and sealed alterations plans by a registered architect that demonstrates that the conversion meets all current codes, including existing building, Architectural life safety, Electrical, plumbing, mechanical, energy and fire protection.

I am working on this for our bank but the mechanics have not been relesed by the fed or sba as of right now.

I joined the forum several years ago but took brief hiatus to focus on building my primary business as a contractor in the motorsports world (mechanic/engineering for race teams) as well as better set myself up for financial success.

By the way there is a mechanism for being compensated.

It was on a crawl space and we moved all of the mechanicals from the kitchen dining room area to underneath the house by digging down about 4' and building a block foundation area just inside the stone foundation and pouring a new floor and adding a sump pump.