Duplex Mortgage Rate

[Trenton Carothers]

Hello! Newbie and first time poster. My wife and I are looking to do a house hack. We're under contract on a duplex with the loan value at around $230k. We have excellent credit, and a very low DTI ratio, outside of this duplex. With the duplex, we'll be at a 35% DTI before we include the other tenant's income. We are working with a mortgage broker who quoted us 4% with an option to go to 3.25% for approximately $1900. I realize I'm probably being picky, but is the mortgage rate in line with what you'd expect, and would you pay extra for the lower rate? We bought a house several years ago and got 3.875%, so I was a bit surprised to see the interest rate go up before the buydown on the rate. The plan would be to live in the duplex for at least 6-7 years, and maybe move on at that point. Thanks in advance!