You would have to refi your FHA into conventional on the one you live in now, which would probably work and you could be at a better rate also.

My concern is that under the new NAR rules the agreement to hire a buyer's agent obligates the buyer to pay the buyer's agents's commission if the seller refuses to do so, and since the buyer's agent's agreement must be signed before the buyer can view a property or make an offer, the buyer has no guarantee that the seller will agree to pay that commission.

@Brandon Burch it's funny how people don't actually answer the question you were asking...The answer is no, refinancing will not negatively affect your ability to sell, refinance, get a heloc, or anything in the future.

Until you are an expert, you need to work with experts in the market. 

There's no guarantee that rates will ever return to 3-5%.

Unfortunately there is really no checklist.

I am hoping to house hack again either in the same town or one closer to where I work. 

@Rob Ibarra No matter where you look, start with the zoning and make sure you can have a food oriented business at the property. 

In the ten-year period beginning with Q2 2014, the Downtown submarket has experienced the greatest introduction of new inventory, 19,373 units, amounting to 21.7% of all new market rate rentals added to the market.Asking and Effective RentAfter finishing April with no change, asking rents climbed by 0.3% to $2,381.

No need to refinance or anything.Also, if you want to connect to real estate professionals in our area there's lots of resources for this.