Finance help

[Shane Vince]

Hey everybody I'm purchasing my first real estate investment property and it is a 4 unit multifamily in Jersey City nj. I'm wondering if I should go with a smaller local bank who offers a lower rate but has a prepayment penalty or should I stick with a big bank like Wells Fargo and just deal with the higher rate? My goal is to buy and hold for a longer time and this local bank has a prepayment penalty only in the first five years, but if a great opportunity comes along to sell then I am stuck paying the penalty. Any thoughts? Thanks