Better to put more down and get less right off

[Ben Newidouski]

I am trying to buy a duplex in California for $330k and was wanting advise on whether or not to put 20% or 25% down. I have roughly $130k cash. If I was to put 20% down I would get a rate of ~7.5% payment with tax and insurance would be ~$2300. If I was to put 25% down and get ~4.5% the payment would be ~$1700. The total rent for both units would generate $2200. I make around $240k a year and have been told I would not qualify for a write off of losses because my active income is too high. In your opinion which scenario would be better for my position. Thanks