.- Cash flow vs. appreciation: If the new property is in a market with strong rent growth, you’ll benefit from increasing NOI over time.- Stock market opportunity cost: If the brokerage account has strong holdings, consider if the return potential justifies cashing out now.Given the current market dynamics and your goals, reallocating your brokerage funds into a multifamily property in Rochester could provide substantial benefits.

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

The exterior is a bit sad - which worked to my benefit.

Even if you only averaged 2.8% appreciation annually, which if you've had it 20 years I have no clue how that's true given prices have well more than doubled in that time, youre skipping over the fact that you have been benefiting from that appreciation on the ENTIRE house, not just the % you paid for.  

It will familiarize you with the basic terminology and benefits.

A HELOC should be reported on your credit profile as real-estate related.

The executor of the estate also should have had some basis for that as well.Fair market value when your relative passe as @Jake Baker and @Cory Carlson said.

It will familiarize you with the basic terminology and benefits.

Personally, I do not like any strategy or approach that aims to benefit from the misfortune of others.

Starting real estate investing early is a smart move, especially while leveraging your military benefits.