If there is some reason or advantage to doing it as a credit, understanding why is key to solving that problem. 

I am looking to use the BRRRR method, but also take advantage of the FHA loan and house hack.

Hi Ryan, this is a great place to learn and to connect with people so take advantage of all the great resources. 

I am thinking another option to take advantage of the low mortgage.

And when you sell down the road you'll be able to take advantage of the primary residence exemption on the portion you live in. 

I think the primary advantage is that they can go up a little faster but of course your customization options are also a bit limited as well.

It's my competitive advantage, and I love what I do with no intention of quitting any time soon.

I am curious because I have been running many scenarios in my head for the most advantageous outcome when it involves children. 

We bought our house in Central EP 2.5 years ago with a zero-down 4.25% 30 year loan and if we decide to rent, we definitely want to take advantage of the current lower rates by doing a rate and term refi. 

Hi Katrina, Another option (although less financially advantageous up front) is to make it a contingency that the property be delivered vacant.