Conv. Loan. 25% down for better rate?

[Blake Hansen]

Just had my first offer accepted (woohoo) and was planning to put 20% down - but Mr. Moneyman tells me I’ll get a full point reduction on my interest rate if I put 25% down. I’m planning to BRRRR this so does this rate really matter all that much and wouldn’t it be better to keep this cash ($8750 more) in my pocket to use towards rehab costs? Mr. Moneyman is REALLY advising against only putting 20% down but I thought less cash in at this stage was a better strategy. Wrong? You tell me...