You'll pay no tax on gains below $250k (single) or $500k (married) if you lived there for 2/5 previous years. 

Leaning toward keeping everything the same but not married to that idea. 

Since 2020 I have gotten married, had 2 children, taken in my grandmother in law and have a 3rd child on the way. 

I know that, overwhelmingly, it's what you fill your head with that counts, it's the day-to-day actions you take, it's the spouse you marry, it's the systematic choices you make, and perhaps most importantly, the personal hypocrisy you don't allow yourself to get away with.

Look at some charts to see how long it takes to start paying down the principal.Also think about your family itself-you're 22, what happens if you get married in 3 years? 

For the two years prior she worked here as an au pair and after we got married she received her green card and got her first job almost immediately.

It is a long held belief in investing that you  "Marry the property and Date the rate".  

Furthermore, you will already have a cash-flowing property in your hands and you won't have to compete with the crowd of people jumping in to purchase real estate because rates dropped.Another piece of advice you will read from time to time on these forums, "Marry the property and date the rate!"  

Or you can refinance and hold it if you love it as a rental.Also, I'm 41, married with two kids and just bought another live in flip/BRRRR.

I purchased homes when I was married.