First purchase where to go

[Amzy Dedios]

Hi, I've been asking a lot of questions  lately and everyone has been gracious and I've taken it to brain. thank you all. 

Now here is my  dilemma , the real deal is coming and my question is what is the best path to get the loan? Bank institution or lender. Here are the options

Bank offers 70% loan on a 4.4% rate for  30 years -- meaning 30% down. Is 30% down/ out of pocket hefty for an investment property? I heard people say that the less money you put out or put on down the better. Since it's a rental property they are requiring 30% down

Lenders rates are 5% for 30 years for 20% down but of a coarse with a 1400 fee. Unsure if it gets credited at all. ( I didn't know I had to ask this)  

Lender also gave another option for 25% down on a 4.625% rate. 

I've been running numbers and how much I can offfer but is it crazy to put 30% down? Is it better to take higher rates but less money down? Please shed light to me. Thanks and by the way the ROI is on,y above

3.88%