[jonathanj003]

everything? I am buying a duplex and am trying to decide on financing. I have narrowed my choices down to two companies who are still accepting 10% on investment 2-unit properties. I would like to know which one to select and reasons for your opinions:Option #1: 90/10 loan with 1.0 pts @ 6.875% on a 30 year fixed conventional; plus PMI monthly payments of ~$840.00 Option #2: 80/10/10 loan with 0 pts @ 7.0% on the 1st and 9.14% on the 2nd, both 30 year fixed rates; no PMI, monthly payments of ~$778.00. With option #2 my cashflow will definitely be better and that is what I am trying to maximize. I know I am paying more in the long run but I know I can refinance in the future, as I am already buying this property at a 75-80% discount.Cashflow has to be a big factor when looking at loans, however, with a good rate of 6.875% on the other, I just want to make sure I'm not overlooking anything, taking the 80/10/10 over the 90/10.Please let me know your thoughts. Thanks!The payment in Option #1 INCLUDES the monthly payment AND PMI ($755.00 + 85.00). Option #2 has not PMI and thus not factored in.