Financing options points or no points?

[Will Sam]

Which one makes the most financial sense, Purchase prices 310k to be rented. Rent is around $2200

Citizens bank @

25% down

7.375% 2 points ($4650.00) $1975.91

7.5% 1.7 points ($3952.50) $1995.76

7.625% 1.5 points ($3487.50) $2015.71

20% down

8% 2.25 points ($5580.00) $2189.83

8.125% 2 points ($4960.00) $2211.48

Us banks @

7.375 at 20% down with 3 points.

Another home loan group (they have a product offering no refinance fees in the future which should save like 5k)

7.9 at 1.5 points 20%

7.9 at par 25%

[J. Mitchell Bernier]

Quote from @Will Sam:

Which one makes the most financial sense, Purchase prices 310k to be rented. Rent is around $2200

Citizens bank @

25% down

7.375% 2 points ($4650.00) $1975.91

7.5% 1.7 points ($3952.50) $1995.76

7.625% 1.5 points ($3487.50) $2015.71

20% down

8% 2.25 points ($5580.00) $2189.83

8.125% 2 points ($4960.00) $2211.48

Us banks @

7.375 at 20% down with 3 points.

Another home loan group (they have a product offering no refinance fees in the future which should save like 5k)

7.9 at 1.5 points 20%

7.9 at par 25%

 I am curious on your motivation on this deal? The numbers look pretty rough across the board on cash flow and with rates as high as they are the risk just doesn't seem worth the return. So I am curious what are you seeing that I am not?