I was told that for investment properties the down payment is larger than if I were to live in it as my primary residence.

We build a triplex for that reason.

Is there a reason why you think refinancing is better? 

Whatever the reason is....

@David Avetisyan If you sell your home for $510K and provide a $10K seller credit, your taxable gain is based on the net sale price of $500K ($510K - $10K credit), as seller credits reduce the gross selling price for tax purposes.Tax Impact in CaliforniaCapital Gains Calculation: Your gain is the net sale price minus your adjusted cost basis (purchase price + closing costs + capital improvements).Primary Residence Exclusion: If you’ve lived in and owned the home for at least 2 of the last 5 years, you may exclude up to $250K (single) or $500K (married) under IRC Section 121.California Tax: Capital gains are taxed as ordinary income at rates up to 13.3%.The $10K seller credit lowers your taxable gain.

Currently using my VA in my primary, but I just learned of another 0% down option available through Navy Fed from another vet client - have not dug in on it yet.

That's the reason there was two sides of the transaction agents.Dual agent can't disclose anything to you which will jeopardize the seller's position.

Air coverage can require your primary insurance to pay out first.

This strategy can be done for primary home buyers and for investors.

I wouldn't want to install solar panels in my rentals for various reasons. 1. costly2. maintenanceAll the best!