What is the lowest interest rate anyone can get for a rental?

[Ahmed Youssef]

Hello everyone, I'm still a novice and not even sure whether this is a question that could be answered, but I'm gonna count on your help for this one.

Assuming a perfect financial situation, what is the lowest interest rate that anyone can get to finance a rental around the $100K assuming 20% down, that leaves us with a loan of $80K. 

What I heard is since the loan is less than $100K the rates will be higher, or you might get hit with some points to make it viable for the lender.