Downpayment dilemma: 20% or 25 %

[Joe S.]

Hello BP community,

Looking to buy my first investment property (it's an attached row house) and I got my rates for a conventional 30 yr loan from my LO:

Rate for 20% down is 5%

Rate for 25% down is 4.375% 

Should I pay the 20%  to save capital for my next deal or pay 25% to decrease my monthly payment?

Thanks!