Getting mortgage quotes for legal 2 family

[Jesse Armell]

Hi All,  Been on here for little while just soaking up the unlimited info and knowledge.  Ive never posted because I felt like some already had the right answer to the questions in the topic.  I had a question about getting mortgage quotes for 2 family in commercial zone.  The options one local bank is giving me is 

2.87 for 10 years fixed then goes to 6 year arm. 20% down owner occupied. Payment is $1900 hundred 

4.125 for 30 years. 25% down. non owner occupied. Payment is $2100

What would you do?