20 or 25% down on your SFR rentals?

[James Park]

I just received an investor's rate quote from the bank yesterday. 4.6% with 20% and 4.125% with 25% 30 year conventional.

For those you who manage mutiple single family home rentals, do you take the lower rate by putting down 25% or take the higher rate with only 20% down.

I am starting small and looking to invest in a 3/2 or 4/2.5 SFR near where i live.

Thanks