I lived in neighboring town of Poughkeepsie called Town of Lloyd - Highland, NY 12528 for more than 19 years its a nice and safe neighborhood with good school district, worlds largest walk-way over Hudson river, lots of trails, golf, biking, scenic drives with good hospitals in 5 miles radius namely: Nuvance Health Vassar Brothers Medical Center, MidHudson Regional Hospital, Saint Francis Medical, Health Quest Home Care and others...The latest addition which is getting constructed is The Village in Highland, NY - Assisted living facility.

Ensure they have an insurance policy and put you on it as an additional insured.4.

  - Hands off ADU additions are often one of the worse RE investments.  

You can really mess up the seller's credit if you miss payments and they can then sue you.4.

I know apartments.com used to offer that feature of reporting to credit agencies for free but it's no longer available as a feature. 

Duplex have different zoning that may permit additional units.

You pay an annual fee of $3500, they do a soft credit check, then they give you a loan in monthly increments.

I've purchased legal assistance via MetLife, and I have requested my company HR to get additional legal assistance.

Potential for additional rental income.Cons: Higher upfront costs for construction.

I don't think taking cash out in refinance raises your cost basis to calculate your taxable gains at sale unless you used the cash-out refi for an addition to the house.