Additional Fees. 

If you refi at 80% of $575k value then you can pull out about $460k.

Just call a local real estate attorney , they will draft up a note and deed of trust for you for a fee :)

If it's in your name you can look into the potential for a HELOC or potentially refinance to pull out some of the equity you've created, but you'll need to do the math to see if you're payments will increase based on the new loan terms.

I think it only makes sense to switch if your current lender is not meeting your expectations, and the rate/fees are significantly different.

Yes, this can be very dangerous, we always use a licensed contractor that has pulled the permits.  

But it should only be attorney cost, the deed and recording fees (few hundred) , maybe a final water cert.

Some of these bookings we get through marketing partners who build these relationships and charge referrals fees for finding the housing.

On the renewal for the license, I asked if the loft was considered a bedroom and the response I got (unsurprising when it comes to taxes & fees!)

As far as pulling equity from your duplex - totally doable!