Streamlining....PLEASE HELP ME FIGURE THIS OUT

[Brandon Shepherd]

I am a new to the game of real estate investing and I'm streamlining my newly purchased investment home. I'm struggling to make a decision (also maybe struggling from analysis paralysis) because the new lender will require a credit check and I would rather save my credit for my next purchase in March of 2022. what should I do. Please see a quick breakdown below.

Current lender offer
Monthly: 2,282
Interest: 2.875
Savings: $275 per month
Positive: relatively quick process and no credit check

New lender offer
Monthly: 2,185
Interest: 2.56
Savings: $372 per month
Negative: credit check for preferred 640; they SAY they would assist in repairing credit afterwards