Hi Sohail, I've got a great commercial lender that I have used personally and my clients have used for various commercial deals.

Conversely, you will run into people on your list that just seem to be a waste of time, so you’ll want to avoid them.

I've done both personally. 

I have done two garage conversions in Colorado Springs.

If the buyer certifies that they are going to use it as the primary resedence and it has a use and occupancy permit that alows use as a personal residence then I don't see why a lender would not. 

If it is a multi-unit property, and you are the tenant without the cat, your agreement is with the landlord and it is their problem.IF you are either the landlord or the person with the cat, its the tenant with the cats problem. 

You have code enforcement issue in one of those cities and they do not know you, your life is not going to be easy meanwhile the person who has been there for 10 years and knows the inspectors families name will have a very different outcome than yours. 

Your paying for expertise, guidance and with the right person you will potentially save thousands in other ways. 

I am personally staying away from STR‘s and MTR‘s because of its inconsistency.

A good Personal Trainer can help a lot.