MLS has it as a single family residence, 3 bedroom, 1.5 baths (actually has 2.5 baths), approx 1500+ sqft, 9k+ lot size, 2 car garage, back yard. 

I’m trying to get a heloc or cash out refi on a primary residence duplex.l under FHA.I have great credit but modest incomeWife has bad credit with better income therefore I don’t believe we will qualify for heloc.Our plan was to get heloc to use as a down payment on another house hack or general investment property.So far our mortgage company said they could do the cash out refi which would raise our mortgage from $800 to $1200 (current rate is 3.62) and the rate would go to 6.6To pull out hopefully 30-35k maxMy concern is if I do the cash out.

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.

Those that still reside are not expecting to stay anyways. 

I am just starting my investment journey, so have only used Real Estate Agents to assist with buying and selling my primary residence. 

Also, did you have any other loans (ie student loans, primary residence mortgage, etc) when you took on the $25k? 

It's certainly easy to find the answer to should I create an LLC, but even searching people is kind of random sometimes.

But always complaints about guests (residents) leaving common space a mess, some resident gets mad they have to clean up...   

Then again, if you’re talking about a mortgage on your personal residence, and you live in a state with an unlimited homestead exemption for creditor attachment like Texas or Florida, there’s an asset protection consideration as well.   

Getting the foot in the door with a primary residence is a great way to start.