Quote from @Jose Quinones: Quote from @Jonathan Greene: If you are in the market for a house hack, wouldn't you intend on living there and using the owner-occupied?

There is still a good amount of risk with BRRRR but if you are owner occupying the property you are in a much better place.  

I work with a lender that allows that as long as we can document some explanation that the borrower doesnt plan on occupying the home as a primary residence.

@Cody FriedrichAssuming you bought the duplex in Indiana non-owner occupied, house hacking is a completely different calculation (in my opinion). 

Hello,A job relocation to San Francisco CA early this year is making me ponder if I should be selling my owner occupied duplex in Jersey City and buy something in Berkeley CA due to its proximity to San Francisco and has some fairly decent schools  for my kids and also UC Berkeley .The low  2.5% interest rate on the Jersey City property turned into a golden chain but I think I am done with managing tenants and property and would like to get more into an Equity play.

Maybe look for a rental property that could boost your monthly income or even a tenant-occupied property to ensure cash flow right away.

If you're going to a bank, you'll want to look for a smaller, community bank that has a history of lending on retail centers and multi-family...what they call "CRE" lending vs the owner-occupied "C&I" lending.

This really depends on the real estate investor, how much time they have, if they’re financially savvy, and if they can figure it out on their own without making mistakes that will cost you $$$ in the long run.Yes, expenses on the Duplex expenses need to be prorated between the side you occupy and the side you rent out.

I did not choose.I selected configurations similar to what they were renting—for example, 3-bed, 2-bath, yard space, etc.I focused on locations where they were currently living.I set rent prices within their budget.SummaryI became successful at real estate investing once I understood that what matters is the tenant segment who occupies the property.

Do you owner occupy this same tri-plex, and are you in a rent controlled area of LA?