FHA to Conventional refinance appraisal method/question

[Kenneth Quattrocchi]

Let's say you house hack for a year and go to refinance into a conventional loan so you can (hopefully) repeat the process again:

1. Is the income approach for appraisal typically used, since you'll be renting out all units?

2. Is it typically 75% LTV?

3. If yes to 1), does successfully appealing and lowering your property taxes increase NOI and therefore property value for the purposes of the appraisal?

I'm trying to figure out how to get to 75% LTV in just a year--seems tough to me otherwise in a lot of cases