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%