25% + down on a rental - feedback

[Bobby Shell]

Long time listener, I have a newbie Q though. I know the answer is "it depends on your personal goals" but hear me out.

What are the disadvantages of putting 30% down on a rental property? (here out my story below)

I am looking at a new build in a gated community in my hometown in Florida. I live in Colorado now. 

My father is a real estate agent of 15 years in Florida and he is helping me get this property. It is in the neighbourhood my father lives in as well which is great for us long term if we move back. This will be a second home we plan to stay and visit once per year between tenants and when it is empty.

I was going to put 30% down because I have a great income with my wife and myself combined. This property would cashflow at 30% down more than 25% down obviously. This extra 5% equates to about $12,000 more in down payment. with it being a new build there should be fewer things needing to be fixed etc. Lower home insurance and the other benefits of a new build.

I just wanted to hear what the community things and if there are major red flags to putting more than 25% down. I like the security of it being a new build, fewer issues etc. And I do not mind putting more down to secure more cash flow and get it paid off SOONER. I love that security. 

I truly appreciate your time and comments!