I’m grateful for any insights folks can provide on current interest rates for an investment property. Do the following rates (issued in the past few days) seem especially high:

For a single family rental home:

+200,000 purchase price, 25% down, 30yr 5.25% apr 5.379

+175,000 purchase price, 25% down 30 yr fixed 5.25% apr 5.3895

+150,000 purchase price, 25% down 30yr fixed 5.375% apr 5.55

+125,000 purchase price, 25% down 30 yr fixed 5.375% apr 5.57

For a multi-family (of two to four units):

+250,000 purchase price, 25% down 30 yr fixed 5.5% apr 5.918

+225,000 purchase price, 25% down 30 yr fixed 5.5% apr 5.603

+200,000 purchase price, 30yr fixed 5.5% rate apr 5.918

We were recently pre-approved and when I ultimately drilled down into the current rates our mortgage advisor could offer, this is what we were quoted.

I realize it's only possibly to speak in generalities without having a complete financial picture, but here's a snapshot: my wife and I are applying together and each have credit scores of approximately 800, very low DTI, and strong income/employment histories for the price range of properties we're considering. This loan would be for our first investment property, which we aim to purchase in Spokane, Washington (99205, 99224, 99201, 99203, etc.).

I realize that we should expect higher interest rates compared to someone who is purchasing their primary residence (perhaps 1% for an SFR and up to 1.2% for a multi-family), but I was definitely surprised by these rates—should I be? If so, what would you expect a reasonable rate to be for SFRs in the above price ranges?

Lastly, should I expect most lenders to require 25% down rather than 20% down for an investment property?

Thanks so much for your insights and assistance.