Should I refinance, I know I cannot do  HELOC because it is not my primary residence. 

A nice home that may some day make a bad rental but a good primary home An exchange in to a state without state income tax to save that 10% in state income taxes.  

That would be best option as a traditional bank wouldn’t do this I read that I can assume the existing mortgage.

This would also allow me to keep my primary at a low rate loan. 

I currently have a single family home as my primary and two investment properties.

Some "euro" games and some traditional ones. 

If this is your primary residence and you have an extra bedroom (or can make an extra bedroom), AirBnb can be very lucrative. 

I think I'm just not understanding what sort of realtor would be willing to help do something like this because I assume most realtors are used to finding you a move-in ready primary home and that's really what they know, and that the price needs to be a certain level to get a worthwhile commission.

Firstly, they are significantly more affordable than traditional houses, often reducing the financial burden of homeownership.

For investors, this presents a niche market to target families seeking multi-generational living arrangements.Things to Keep in Mind:SB 9 projects must comply with local ordinances, which may include design and setback requirements.Properties in historic districts or areas prone to environmental hazards may have restrictions.Lot splits under SB 9 require that the owner occupy one of the parcels as their primary residence for at least three years.ConclusionSB 9 represents a significant shift in California’s approach to zoning and housing.