Very flexible.After or instead of Roths if you dont have extra money after cutting out all non-essentials, do RE if you're ready. 

Is it essentially just the prevention of being penalized if I were to refi from that originating loan?

Essentially, FHA is stricter when it comes to 3-4units, and they want to ensure that 75% of the income will be more than the monthly mortgage payment. 

Ask questions like will you pay a cap to your broker in both states, what is each cap, is there an extra brand fee (sorry I don't remember what the official term is for this, but some brokerages charge 6% more) and is this extra fee for each state essentially doubling your expense?

When you own duplex / twin homes, that is essentially the same as SFH.

It is essentially still business as usual, as far as I can tell.

However, you can avoid debating this topic if you follow @Bill Brandt's suggestion of essentially renegotiating your lease to rent less for less money.

Essentially, giving my partner two immediate types of return on the investment from cash flow and my interest payments.

Once we had meeting we essentially took over- but brokers made very good money.

They essentially remove all fees from their cards, to include late fees, foreign transaction, annual fees, etc including on cards opened AFTER joining the military (several other CC companies offer the same thing but only if you open the account prior to joining the military).