Picture a Saturday with no fence six feet from your patio. Coffee on the porch, a garden you actually have room for, maybe a shop out back. For a lot of McKinney owners, the money to get there is already sitting in the house they live in now.

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Picture your morning coffee on a covered porch, a garden bed coming in, and nothing but open sky past the back fence. For a lot of homeowners, the only thing standing between today and that view is the house they live in now. So the first question is usually …