My first triplex - how should I finance? WWYD?

[Matt Bailey]

I have a triplex under contract

Should I......

25% down with 3.7-4.25% interest rate fixed for 30 years?????

or

15% down with 10-year fixed rate of 5.00%,20-year amortization????  

If I go with the investor portfolio loan then I could refinance into a conventional loan after 6 months getting my money out for 30 year fixed 4.75 +/-0.5%.  

Currently 2/3 rented out (breaking even if going with investor portfolio lender) and I could cover mortgage for 6 months if it was empty. 

WWYD?

newbie appreciates your input 

[Joseph Firmin]

If you are looking to reuse your cash out from the refinance to purchase more property, then that would be the path I'd choose, higher returns. Just make sure you have the right amount saved or access to credit to cover any capex issues that could pop up.