Imvestor loan or owner occupy?

[Erkan Gungor]

I bought a 575k four plex here in Tempe Az. Its already in great shape but I am spending 50k to rehab further and realize potential value. Right now I have a hard money loan that funded 460 at closing and is holding 50k of rehab funds in escrow. 

I put down around 120k of my own money, and want to cash out refi as soon and as much as possible. I also currently live near the property and could move into one of the units.

My question is can I refinance the hard money into a personal residence loan right after I am done with rehab? Then can I do a cashout refinance after 6 months at 75% ltv?

Would it be better to not move in and just try and cashout refi immediately as an investor loan and take a 70% ltv cashout?

Thank you for your help. Im flexible on my living situation but just not sure which route would be best.