Securing duplex with HML then refi

[Steven J.]

So I'm going out to look at a duplex today I'm interested in. My initial plan is/was to secure it with FHA loan with a 203k to fix up the repairs needed. I'll live in it for the required time while renting out the other unit. Then when I move out I'll rent out the other unit.

After having watched @Brandon Turner 's extensive seminar on how to analyze a multi-family property, I am more inspired to secure the property with HML or private money so I can do a cash offer securing the deal at the number I need.

Here's the debatable question. Do I move in and owner occupy it right away? I'll be paying more for the borrowed money but I won't have rent payments I'm making. And then after my 6 months of seasoning can I apply for an FHA refinance loan? Is there such a thing? Or should I just continue renting myself and rent out both units of the property until I can refinance after seasoning?

I look forward to the wise words of those who have secured property in a similar fashion.