[quote=jmw]Pull out as much cash as you can with a new mortgage. Build an ADU in the back. And live large in St. Thomas with the rest. When you run out of cash, move back into the ADU and keep renting the main home. Win-Win.[/quote]
LOL +1 (if just for the fantasy of thinking about it)
Although I think I would still constantly worry about sea level rise LOL.