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Using second floor unit kitchen as bedroom

Trying to determine potential issues with refinance due to current use.

my husband and I just purchased a 2-family pre-war townhouse in Bushwick. We’ve been living in the 2nd floor unit with our 2 children for many years. Space has always been an issue. We’d like to use the 1st floor unit as our living space and use the second unit as the bedroom/office floor. Would temporarily removing the kitchen in the 2nd floor unit and making it a bedroom create issues if I want to refinance in the future? The 2nd kitchen would need to be renovated anyway. The pipes would be capped off but not completely removed as to convert back to a kitchen if needed. We don’t want to be landlords and need the space and do not plan on moving. We have a 5.625% interest rate and while I don’t plan on refinancing anytime soon , I want to know what I’d be in for. Also would this prevent me from getting a HELOC?

submitted by /u/LegitimatePerson12
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source https://www.reddit.com/r/RealEstate/comments/1iuo4ny/using_second_floor_unit_kitchen_as_bedroom/
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