fha vs conventional for duplex

[Bill E.]

I am going to be buying a duplex to owner occupy or "house hack". The price is around 125000. Now I can either FHA at 3.5 percent down and go that route. I also found a lender that would do 10 percent down conventional loan at 4.4% interest. I have the money to put the 10 percent down, although I won't have much money left over. Which option is best and what factors do I need to consider? Thanks bp.