Refinance as my primary residence or as an investment property?

[Cynthia Arocha]

 I have a single-family home that is currently my primary residence but within a year  I hope to convert it into an investment property and start renting it out.  With the rates so low, I really want to refinance but I still need to save to put down a significant down payment for it to be worth it.  Is it best to refinance now as my primary residence but without much to put down or would it be okay to refinance later when it's already an investment property but I'll have a significant enough saved for a large down payment?