Honestly, I don't know how sensitive the family will be on the issue.  

The starving artist caricature may be a cliché, but artists do tend to be very price-sensitive.

Absolutely, loan information is sensitive data and must be held in confidence on a need to know basis as well.

I have a very sensitive consience, so I'm trying to figure out what constitutes legal occupancy. 

There are site sensitivity restrictions, fire and building code (if you are separating between floors for up down you need to fire rate the floor like you would fire rate the party walls that separate units, which can get expensive), etc..As Travis mentioned, once it becomes up down, it's no longer a duplex or townhome, it's a condo.  

I'd say it would be very hard to find, not saying someone out there doesn't have a fund accepting such loans, but I'd think rare as hen's teeth.

But here, seems that anyone who can brush teeth can give advice on your back pain.

Or more than fare share.. remember these guys are all lending POST 08 meltdowns.. us Pre 08 lenders got kicked in the teeth 

Is it painful and is often like pulling teeth?

I have no illusions it is a grand slam, but I think it is something I can cut my teeth on and I am excited to move forward.