NACA loan pros and cons- Worth it for aspiring investors?

[Quiana Berry]

Hello,

Im debating whether to use NACA or not because I don't want to be stuck for 5 years on a deal without being able to refi. The policy is to stay in the property for 5 years or you pay $25k lien they place on your house. However I just saw on their site they say this occupancy rule is unless you sell or refinance. It seems then refinancing is allowed. Any loopholes past NACA recipients are aware of?

Goal- buy multifam, house hack and refinance out