Good value but to look more like a home, it requires burying ~3.5' which may mean transporting a lot of dirt (maybe spread it over the lot).I am thinking of adding the ADU to higher end areas. 

Call the Department of Transportation (DOT) and explain the situation.

Your credit score: Your credit score will play a significant role in determining the mortgage interest rate you qualify for, so it’s important to check your credit report and address any errors or issues well before you start the homebuying process.How much you can afford: Make sure you consider all of your expenses, including the down payment, closing costs, and ongoing mortgage payments, when determining how much house you can afford.Saving for a down payment: Many lenders require a down payment of at least 3% to 20% of the purchase price, so you’ll need to have enough money saved up for a down payment.Saving for closing costs: In addition to the down payment, you’ll also need to pay closing costs, which can include things like appraisal fees, title insurance, and attorney’s fees.Location: Consider the location and the neighborhood you’re buying in. and what you want in proximity like schools, parks, transportation and your workplace.Research different types of mortgages: There are many different types of mortgages available, including fixed-rate mortgages, adjustable-rate mortgages, and FHA loans.

Id say St Thomas or St John would be better in terms of location, ease of transportation among the USVI (A few tidbits I observed and noted: The HOAs (fee seems to range 200-500) may not be so bad an idea for a more hands off approach unless, you plan on managing the property yourself; most of the 3/2s I saw were other vacation rentals, not so many in the way of residences for locals; cost of ownership increases much higher in the long run after running the numbers on a few existing rentals due to stamp tax, increasing insurance costs, specifically the hazard insurance (CBS homes have lower premiums); replacement costs for wear and tear due to the salt water…etc.

This industrial city is tranforming into a smaller and smarter tech, medical, and transportation hub.

Adding bedrooms will not only add value to the property, but it will allow for more rentable space.Properties near public transportation: While multiple, rentable spaces is important, it is not the only factor you should consider.

Me and a couple of investor friends made a Newburgh trip and we concluded to postpone our plans there because although we saw some movement the lack of direct transportation from NYC is IMHO is what makes it trail behind decades places like Beacon.

TRANSPORTATION CODE §313.054(d): Street Improvements aka paving lien.

So the buyer wants to conduct some unspecified, unregulated test for a substance that occurs naturally in the environment - by a company for which no license/certification is required and for a substance for which no 'authority' has determined that some specific amount is 'unsafe'!

Gray's Ferry according to this novice real estate investor.Fishtown pros - proximity to major highway and transport lines, shopping of all sorts nearby and fair share of boutique pro chef restaurants and micro brew style bars, name already seen as hip and flippers proving buyers will pay a premium to move.Gray's ferry pros - major hospital and university expansion started just a mile or two away, prices still mostly accessible, near major highway and transport lines. cons: doesn't carry the popularity of fishtown and still seen by most as street-by-street, there's little or no shopping and certainly no restaurant or hip bar scene.My current strategy is buy and hold for the long term.