20% down at worse interest rate vs. 25% down at better interest

[Beth Rasmussen]

I live in a High Cost of Living Area. We are buying a $550,000 duplex. We are torn on putting down 20% at 4.125% vs. 25% at 3.5% interest. Our goal is to scale up and keep buying properties. We'd like to buy sooner rather than later because prices keep rising quickly in our area and interest rates will be going up. What's the best choice? Thanks!