On the other hand, the education you might gain may be worth doing it. 

@Mark AndrewsGet some education, Mark.

In that time concentrate on continuing to educate yourself on this forum.

Continue educating yourself as much as you can, as I've been taught since I can remember "the lack of knowledge will always cost you money". 

So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started.

From a leverage standpoint, it would appear the best thing to do is the 25% down, 10/30, but I just worry about the potential balloon payment after 10 years if I am unable to refinance.I can afford the 45% down, but would love to be able to use that capital toward another purchase.Thank you for all responses in advance,Bruce

If it were me I'd keep it because I'm not a fan of leveraging to the hilt but there are many on Bigger Pockets who will disagree with me.

@Daniel Villanueva I don't know of any educational resources specifically on SH. have any specific questions?

Education is important but don't get bogged down by Analysis Paralysis. 

When you do find financing it will typically be at a lower leverage point and a higher interest rate.