Small Multifamily Conventional Loan Rates?

[Devin Chong]

I got pre-approved from a lender recommended to me in the Ohio market. But feel the terms are high especially with the Fed lowering their rates recently.  It is a fixed 30 year conventional loan @ 5.25% for a 2-4 unit multifamily property requiring 25% down (not my first rental property and also not owner occupied).  Are these terms high or average?  Anyone have any lenders they work with in the Ohio marketplace?