Currently, I work as a trainer and supervisor in the claims department of a major insurance company. 

This may not be helpful, but I have heard of situations where owners manage to have their own building qualified as "Uninhabitable" by the building and/or health department.

The file can then be sent to an architect to design plans.NOTE: First check with Building and Zoning Department that you will be allowed to convert that space to residential apartments.

what fly-by-night "bank" will offer $40k loan on what is likely a property that should be donated to the fire department?  

Your insurance agent can provide the estimates and any other documents to the claims department to help with the process. 

Department of Housing and Urban Development (HUD)

Then, on November 25, the LA County Department of Public Health and LA County Board of Supervisors went one step further and imposed a 3-week ban on outdoor dining as the coronavirus cases rose precipitously across the state.

Dear Friends,I went from zero units to five units in the past year.

Generally you would get a permit from the building department to replace the sink and expand office if required. 

Department of the Treasury.