More downpayment and finance closing costs or less dowpayment and pay off closing?

[Luisa Echeverri]

is it better to to pay less down payment and pay off the closing cost of hard money loan or pay more downpayment and finance closing costs?.

The private lender is offering me 10.90% 6 months and 4 points, loan is for 360k, he said i could do 20% down and pay al closing costs or 30% down and finance closing costs., What woud save more money?