In accordance with my 2019 tax return I am not making enough income to qualify for a conventional loan due to all of the deductions I took using my rental.

We selected Athas due to our "traditional" residential lenders said it would be challenging to obtain conventional financing due to lack of 12-month leases in place and the property operates as a STR "business." 

Hi Jake- Just my opinion, why would you use cash when you could go conventional?

That was definitely not a Conventional loan, because the max LTV for a 2-unit investment property Conventional cash out refi is only 70%. 

This was in fall of 2018 so the rules may have changed AND I ended up using a conventional loan so that I wouldn't have mortgage insurance for the life of the loan. 

That is a conventional product that has better terms than FHA.

conventional Lessons learned?

I got a conventional loan (3.5%-5% down) and rented out my empty rooms to some of my friends.

Just closed on a primary home today & now am wondering the best way of handling the home I'm in.Would refinancing be worth it if my interest rate right now on a conventional is 4.75%?

I'm able to do 80% LTV on the ARV per the appraiser, pay interest only for 12 mo and then roll it to a conventional mortgage when the rehab is complete.