Mind changer is a factor, if you pay me 5 times to paint the same wall 5 times, just because you don't like the color, that's a no no for me.

My husband and I on the other hand, prefer to either buy with leverage (25% downpayment) or buy with cash and use delayed financing (BRRR) to pull all our cash out almost making it a no money down deal.

If you can cashflow that well on it, it's a no-brainer.If you can't do the deal because of financing, you should look to partner with a local investor that can do the deal

So that's a no go as a rental.

Chris, it seems like to you that it is a no brained to refinance?

One important thing to consider is why is the seller giving you a no down payment deal and financing it himself? 

Maybe when the cash flow grows I'll look into other forms of REI to diversify my portfolio but for now house hacking, buy and hold is a no brainer!

I'll let him confirm that part.Typically a no PMI with mass housing is 4.126% David Zheng

That seems like a no-brainer. 

I'm kinda looking for a no-skill DIY solution.