Put additional 5% in Rental Property or keep cash for addtl investment opp

[Danny McGreevy]

I have an investment property currently with 20% equity, which I am owner-occupying in Portsmouth, NH.  I am reaching the point that I will be moving to a new property which I have saved up enough cash for.  I am still in the search phase there.

In my current 4-unit building, I have a 7.3% rate and this is going to be the final opportunity I have to refi w/ an owner-occupied rate since I plan on purchasing a new property soon to live in.  The Mortgage broker advised me that if I put in an additional 5% (25% total) I will be able to get the rate down to 6.3%

Doing the math, if I've done it correctly, seems to indicate that the additional 5% added to the equity would generate a 17.5% return on the additional cash flow of the property.  Again... If my math is correct.

My issue is that I often read that BP community many times finds it better to keep low equity in investment properties to keep cash free to purchase additional rental properties.

What are my biggest considerations when making a decision here?  Am I missing anything?