Transferring your property with an FHA loan on it will trigger the due on sale clause.So, you should speak with an experienced real estate attorney.Of course, many will post here that they've done it and were never caught.

It depends on where you are living, how long you think you will be living here, if 3 years is the minimum but a good chance it’s gonna be longer bite the bullet & buy, if 3 years is the max it’s probably better to just rent, regardless nothing will cash flow, the big benefit is locking in your payment, but the value of that depends on the timeline, as far a where that would really depend on your preference’s in price point, do you want urban or suburban living, how big a space, how nice etc?

That might include pet policy changes, early termination fees, a fee for a service like a requested lock change.

If you are in OC (not Santa Ana), you probably don't have to worry about rent control unless the law changes at a later date.3) Check your lease agreement for wording about rent increases and comply with the terms.4) Make sure Newsom hasn't declared a state of emergency...which often trigger rent freezes.5) Once you confirmed that your condo is exempt and no local protections apply, send a rent increase notice for any amount.

But that said, you have a 3.5% rate lock which is an incredible opportunity.

(IMO)I personally assumed a loan for my most recent purchase (must be your primary residence) in November 2023 and was able to lock down a 3.08% interest rate in a 7.5% - 8% interest rate market!   

Otherwise, it would be best to maximize your skills and lock down the highest paying job you can. 

In my opinion however if I have to worry about the tenant tamping (on what could be a locked box) to reduce their <$200 power bill, I probably have bigger tenant problems. 

All it will accomplish is push your gains into the future while keeping your capital losses locked up.

I am torn on which investment I should pull the trigger on!