Unsure where to go from here (house hacking)

[Kevin Phu]

I currently live in a 4BR SFR that I purchased with a 0% down VA loan and have 3 of the bedrooms rented out while I live in the master. I've met the VA's primary residence requirement and I am trying to sort out my next move but I'm feeling stuck.

Should I look into buying a MFR using an FHA loan? I don't have enough for 20% down or to refi my VA loan into a conventional to be able to reinstate my full VA loan. I think it would be fairly easy to rent out the master bedroom if I were to move out and I would cash flow on the property. We have a lot of military and college graduates who work for the DOD that don't make a lot and are always looking for a room.