Two options to to a cash out refinance,

Looking at these two cash out options. One is at 4.75 with an origination fee or 5.25 with no fee.  Let me know what you think of these documents and if you have any follow up questions.  This is for a triplex we are looking to hold for the long term, we do not need to do any repairs in the immediate future, we do have cash reserves, the property rents for 5K/month.  I ask because although I understand the processes, read, research and actively pursue properties, math and analyzing the financials has, unfortunately, never been my strength. Thanks for the input!