Refinance questions and would appreciate your opinion???

[Isiah Ferguson]

I have a duplex that's free and clear. 1 unit is currently vacant right now. Personally, I'm renting. I was wondering if I move into the vacate unit am I able to do a Cash out refinance with a FHA Loan ? Making the property my primary residence am I able to get the lower interest rate the FHA loan provide ? And also since the minimum down payment for FHA is 3.5% initially am I able to cash out refi at 96.5 with a duplex considering it will be my primary?