I agree with you that this may not be common practice in different markets, my experience with HOAs is only in the state of NJ.

If the couple is fighting, emotions will rule their actions, not common sense or financial responsibilities.

Tenants are responsible for property taxes, insurance on the building, and common area and maintenance costs under triple net lease.

What's a common place to market that rental in your area?

Will the new bedroom door be directly off of the living room or other common area? 

.#2 Offers, this is a common situation for new investors that wants to go down to make the deal work.

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This step must be done carefully to avoid further damage.Structural Repairs: Address any structural damage first, including the roof, walls, and foundation.Systems Repair: Repair or replace electrical, plumbing, and HVAC systems as needed.Interior Restoration: Once the structural and system repairs are complete, focus on restoring the interior, including insulation, drywall, flooring, and fixtures.Safety and Health Concerns:Air Quality: Ensure proper ventilation and air quality during and after the restoration process to remove smoke odors and contaminants.Mold Remediation: Check for and address any mold growth, which can be a common issue in fire-damaged properties due to water used in firefighting.Final Inspections:City Inspections: Coordinate with the city for final inspections to ensure that the property is safe and habitable.Fire Department Clearance: Obtain clearance from the Fire Department confirming that the property is safe to occupy.I hope this helps, best of luck!

- How common is it to find loans with these terms in the industry?

I've looked into Tenants in common splits, but I can't determine if that's only with with both borrowers actually living on the property or not.