Rate of 7.5% with 2.5 points by me and 2 by the seller is this normal

[Nathan Hill]

Afternoon All,
Im going for my first investment property a Duplex <100k .

I have 25% to put down 

a great debt to income ratio 

A credit score >640 

I've just been applied for a mortgage and been told its 7.5% with 4 points associated with it. That means 2.5 to me and 2 to the seller.

Is this normal?  Is this fair ?

Thanks
Nathan