- Your structure Once you accept these responsibilities you will be able to better ensure a smooth execution of house hacking. 

@Manny Martinez FHA monthly mortgage insurance is typically 0.85% of the loan amount, so you are effectively already paying the rate you were quoted, $200 per month on an $80,000 loan amount would be about the equivalent of a 3% interest only loan, now factor in the difficulty in finding a 2nd mortgage in todays rate environment that low and assuming the refi rate you are talking about is a fixed rate, your $200 extra per month is paying down the balance of the $80k further reducing the effective rate you are paying on the $80k, all while paying about the same effective rate on your existing balance when you combine your rate and MMI... seems like it is a good move to me or at least better than finding a 2nd mortgage.

I suppose you might have a better chance in picking areas of a state with high winds. 

You're putting in 80k all in, and selling potentially for 115k after 4 months - I think you could find an area with better margin in my opinion. 

PropertyRadar is particularly useful for investors looking to identify off-market deals and opportunities.Are any of these good, or is there a better option not listed here?

Go out of state, MUCH better returns at MUCH lower price points.

They have priced this 4plex to sell for 775k with maybe couple extra thousand in case the welling is deeper than anticipated or if i decide to use better finishes.

Although other states are great options and might offer even better house hack opportunity, I just wanted to bring in the opinion that you don't need to look very far out and can still do it in NJ

They have a county option that might be better but I didn't see prices on the properties there nor the addresses of them listed.

Do better next time.