Help me analyze which loan to do

[Craig Smith]

Purchase price is 165k
Rent is 1600 All systems except for water heater have been replaced in the last 5 years.  Windows, siding and roof also have been replaced.  
Terms I am getting on a non owner occ loan:

25% down 15y 3.875%
20% down 15y 4.25%
25% down 30y 4.5%
20% down 30y 4.75%

We have great credit and these numbers are similar no matter what bank I talk to. I keep running IRR calculations and the cash on cash return is better on the 20% loan for 30 years. I just want someone to double check me on the math before I pull the trigger.

[Steve S.]

Every single time, no matter what anyone else says on here, guaranteed 100% EVERY SINGLE TIME ... take the smaller down payment for the longest amount of years. You will always have a better cashflow and there is a 95% chance you will sell that home at some point in the next 15 years. This is not 1943 where your grandparents were brought up to "pay your house off as fast as possible". No No No. Every single time, smallest down payment and longest fixed terms. 

Now go forth and prosper.