The chart you are referencing above is for a conventional loan, not FHA.Your only option would be to refi into a conventional loan to not have MIP on the new loan. 

Conventional versus non-qm products have similar pricing, but restrictions on DTI and capped number of properties will limit how far one can go using conventional.

Conventional lending is not really an option as I am a college student and dont have much W-2 income at this time.

There is no seasoning requirement to refinance a conventional loan.

Conventional, down payment assistance.

It has to be just as nerve wrecking as conventional.

Just like conventional brokers or lenders.

@Rachael Lucas    The 10% down second home/Vacation product is a conventional loan.

But good chance you could stay in the conventional lane because you can use sched E income after one year.  

Hi @Ian Dale Ibrado,In Canada under the commercialfinancing umbrella for multifamily, there is "conventional", "RegularCMHC" and "CMHC MLI Select" which have different requirementsfor debt coverage ratios, loan to values, down paymentrequirements, amortizations, and interest rates.