Those are questions I would normally ask a consulting engineer.. know of one ?
You will find many jurisdictions have local rules that would effect the answer, but as far as the NEC is concerned for NM check Art 334.10 & 12 for NM and Art 320 for AC.
This is a good start: 334.10 Uses Permitted. Type NM, Type NMC, and Type NMS cables shall be permitted to be used in the following, except as prohibited in 334.12: (1) One- and two-family dwellings and their attached or detached garages, and their storage buildings. (2) Multifamily dwellings permitted to be of Types III, IV, and V construction. (3) Other structures permitted to be of Types III, IV, and V construction. Cables shall be concealed within walls, floors, or ceilings that provide a thermal barrier of ma- terial that has at least a 15-minute finish rating as iden- tified in listings of fire-rated assemblies