Lower risk all the way around.  

This is the option I'd pick. 

I've heard about turbotenant but I'd like to review a few options and not just go with the first one I've learned about. 

As another poster mentioned rates are lower than they've been in the previous 18+ months but unless some very surprising economic data comes out between now and when you did your refi it seems unlikely that rates are going up in the short term and there is at least a decent chance that rates drop a little more before then. 

Great to hear that you are exploring your investment options and learning about the different options you have.

I wasn't aware it was an option.

Quote from @Logan Barwick: I Am looking at getting involved in rental properties and debating on which option would be best.

From my understanding, it might be more advantageous to refinance as a rental property at a lower LTV with income from two units, rather than as owner-occupied at a higher LTV with only one rental income considered.

I may specialize in VA loans, but I also offer a range a conventional, FHA, USDA and commercial lending options. 

The other option is to find a partner with some experience and use that on the loan.