Clearly, reproducing a copyrighted photograph is a derivative work of it, and according to the law the user needs permission from the author to monetize derivative works in addition to, of course, crediting the author of the photograph. If you paint a bridge thats very different, for architectural copyright law is different:

two other important limitations apply when registering a design as an "architectural work". First, when a building is ordinarily visible from a public place, its protection as an "architectural work" does not include the right to prevent the making, distributing, or public display of pictures, photographs, or other pictorial representations of the work.[13] Thus, the architect will not be able to prevent people from taking photographs or otherwise producing pictorial representations of the building.
https://en.wikipedia.org/wiki/Copyright_in_architecture_in_the_United_States