I am in the process of trying to buy a condo for $75,000. I spoke with my lender the other day, and I had a tax lien of $329. Turns out that $329 was actually $730, and I have another one from the state of Arkansas from 2007 for $1000. He told me to pay it off however I can, as quick as I can. I paid off the $729, and need to pay that other $1000 down. I am thinking of getting a credit card with a 0% APR because I need the cash I have in the bank to go towards my down payment. I am just trying not to fuck up my DTI. He said he can approve me just based on my $2000 a month salary and wont have to figure in my commission. Should I go with a loan? A credit card witha 0% APR for 12-18 months? Or just pay it off with the cash I have, and save a couple more months? I really want to take advantage of the super low interest rates. My payment would be around $550 a month. I plan to live there 2 years, then rent it out for $800 a month which is what they go for in this neighborhood.