I am a notorious procrastinator.

While I am sure this is not your intention, to declare that you will be living in the property as your primary when you have no intention of doing so is mortgage fraud, which is a felony punishable by up to 5 years in prison. 

The government run healthcare system will be like every other government program, overpriced and impossible to access.We are already paying billions of dollars in California in medical expenses for released convicts (because we can't afford to keep them in prison and 40,000 were released), sexual predators, drug addicts, alcoholics, etc.

How many "drivers" have gone to prison because partner let things get out of hand in a robbery and the driver had no knowledge of the acys committed?

That being said, Kingston is more than just universities and prisons, and your ability to value-add (especially with a third unit) sound promising.  

MLS listings are notoriously inaccurate.

You will need to draw the max to know the calculation as HELOC's notoriously have been shut down/closed when lenders get skittish and right now few banks are doing new HELOCS.Third issue is can you qualify with the payment on the 1st, 2nd and new PITI with MI?

Notorious for it, apparently.

., but I still think home ownership is a prison and not a blessing, unless people use their homes to produce wealth by forcing appreciation.

He went on a drug bender for a few years and ended up in prison.