I would definitely explore a house hack but reading about the investors in San Diego, its definitely hard to find a rental property.

I would try to get a handle on all the expenses, make sure it is a product that is in demand and explore what the zoning is on the house.

I might be totally off base for even exploring this option, so would love some input.Looking at a SFH in my township in New Jersey.

You just have to explore a little more.  

I'd explore that pain point a little more. 

Hey @Peter Morgan , I don't consider that hijacking :)   It's fun to learn and explore all of the ins and outs of this 1031 thing.In your situation with the owner occupied duplex, would you also have the opportunity to take advantage of the primary residence tax exemption, rather than delaying taxes with a 1031? 

Is there another option I haven't explored?

I am exploring the different types of loan options I have and had a question about 2nd home/vacation home loans...I understand all the financial aspects but as far as the other guidelines go...

If it's over 4%, its worth exploring, but probably won't pay off for you for at least 4 years or more of holding a new loan.  3. 

However I’m a buy and hold woman so some degree of volatility is irrelevant to me.I agree with exploring @Max T. suggestions.