What's a competitive investment loan

[David Lyons]

I was quoted 4.75% and 3 points on a $127,500 loan (25% down on $170k purchase) Trying to figure out if that's competitive or not. 

My credit score is good-great, in the 680 - 720 range. I have no debt.  I won't say my income but will say I qualified for up to $220k price on an investment property and $350k on a personal residence. So at $170k purhcase pirce, my debt-to-income on this property is very healthy.

The interest rate seems pretty good for an investment property but I was surprised by the 3 points.  Is that normal.