I've heard of a few hospitals (mostly in the city) that require a BSN. But I heard that in different threads on this forum. Not first hand experience.
If you have to work, than the ADN is probably your best bet. What's another year of loans.
If you can get into a 12 month program, you can be a RN pretty quickly. Going through ADN programs, assuming you need to do most of the prereqs, will take you at least 2 years. If through CUNY, probably a minimum of 3.
As for going for a masters in the future, I belive only CrNA requires a BSN. Most other majors will allow a ADN+Bachelors. I won't be surprised if they ask you to make up 2 or 3 prereq courses beforehand.