The best strategy for financing - 20% or 25%?

[Marcelle Abel]

Hey all! Newbie here! We are looking to finance our second STR and as we all know the rates are not great. We have the option to go with 20% down and a higher rate or 25% down with a lower rate. Would you experts choose the higher down to get the better rate or keep more cash in your pocket but pay a higher rate??