Choosing a direction - starting out

[Andrew Berkowitz]

I am looking for some opinions/guidance on what would be the best strategy for me to start out with. Here's my background:

23 years old and looking to get into buy & hold / rentals

Found a lender that prequalified me for the following: 

-owner occupied single family - 20% down 30yr fixed

-investment SFR - 20% down 30yr fixed (higher rate)

-investment duplex - 25% down 30yr fixed

I have savings which would make 20-25% down feasible up to a certain price point, however if I am putting all of the funds I have available for investing into one down payment, I want to make sure ROI is worthwhile.

Also I was assured FHA would be no problem given my financial situation.

I am renting my current residence $850/mo including all utilities, cable, internet, etc

Given all of this I am having a hard time deciding whether I should house hack/ owner occupy a multi unit FHA, or look into an investment rental and continue living in my comfortable and affordable rented space. I have gotten input from a few different people (mostly family and close family friends) and would like an outsider's (investor) perspective.

Help is appreciated