refinance at 75% or 80%

[Casey Walker]

Refinancing my personal house and I can do 75% LTV at 3.5% for 30 years or 80% LTV at 4% for 30 years.

The 80% would put 20k more in my pocket that I could add to the piggy bank with another cashout refinance on a three unit and take all that to put down on a third property when I find it.  If I do the 75% I will have to save for another year before I can buy property number three.

What would you do?

Thanks