20 or 30 year loan for investment properties

[Joe M.]

Hey! I have a property I’m looking to buy. One bank is lending over 30 years and the other over 20. With the 30 year, my cashflow is much higher. The 20 year lender is trying to convince me a 20 year loan is better for investment properties and if the numbers don’t work well at 20 years then it’s not a good enough deal. Initially, I was leaning toward 30 year so I have more cashflow. Thought? Thanks!!