Yes, you most definitely can do structural changes to the home, infact, you can do pretty much anything you want to the home short of completely replacing the foundation.
Your loan officer should be able to guide you through this process, if they can't then they're inexperienced in doing these and you should find a new one.
Your HUD consultant will let you know if there's anything you can't do or isn't feasible for your future home. Make sure to be nice to them because they'll be the most helpful person aside from your loan officer during one of these loans.
I am not a loan officer or mortgage person, and you would be best advised to ask your mortgage gal or guy about specifics.
To the best of my knowledge you can do structural changes as part of a 203K loan, however this would mean that you would need to be taking an FHA loan, which in turn means that you would need to use one of the units to live in yourself. Taking an FHA loan and not living on premisses would be fraud.
Also, please be mindful of the fact that normally structural changes would in most cases mean you could not take just an express 203K loan (I believe up to $39,000), but would probably need to apply for a regular 203K, which will take longer and postpone your closing.
I hope this covered some of what you were going to ask.
Amos Elroy, SFR (Short-Sale Specialist Certified)
Residential Real Estate Investment Consultant
Lic. Realtor Associate
EXIT On The Hudson Realty
(888) 462-6573 / (888) HOB-NJRE
FAX (888) 462-6573
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