DSCR loan question and help

[Michelle Phimmasone]

We are purchasing a beach condo STR purposes. Our broker had offered us these loan options:

20% down at 8.5% interest, $65000 down, $1999 monthly

25% down at 7.5% interest, $81500 down, $1704 monthly

We wanted to keep as much cash in the bank as possible so we went with the 20% down loan. They started working on it last month with a closing date of July 25. Just yesterday broker lets me know that the monthly isn't meeting the DSCR ratio and is short by around $49. He asked if we could do 23% down...that would be an additional $9750 cash upfront downpayment. I asked if buying just one point (cost maybe be $2600) to lower interest rate to 8.25% would be enough to meet the ratio. Also asked if we did a higher down like 25%, would we be offered a lower interest rate like before. He responded that he would check the costs of buying down the interest rate. Im feeling uneasy, with being told that we'd need more downpayment last minute but at the higher interest rate doesn't seem fair? If we had known earlier we would have taken the other option. Is there anything else we can ask, or no other options but to buy points or pay the additional $10K down?