Advice on financing my house hack

[Addison Robertson]

I have a pending offer on my first investment property, a 4 bed 2 bath duplex in Indianapolis that I will house hack. FHA loan using 3.5% down payment with purchase price being $200k. Currently have $20k in liquid cash. I have narrowed it down to 2 lenders who have offered me around 3% with monies credited toward closing costs. With this being my first property, I plan on refinancing in 3-7 years to use that built up equity to purchase more investment properties. Would it be in my best interest to take a slightly higher interest rate in order to get the most credit toward closing costs due to my low amount of liquid cash? Also take into consideration that I plan to refinance in the medium term.