[AllDayJonRay]

Here's what you should do:

Go to one of those online payment calculator sites and find, based on how much you expect you'd borrow and the repayment period you expect to repay in, exactly what your monthly payments and repayment period would be.

Once you have those numbers, you know how much your payment is, and how long you have to pay it for. All you need to do now is prove to yourself that you can afford and keep up with those payments for that time period..

So how do you prove that? I recommend that you save that amount each month, for the entire period. It's the only way to be sure you could maintain the expense.

If you make it, you've proven to yourself that you can afford to finance FI!! So go ahead and start making some calls to places that.....

Oh wait, now you don't have to finance it... because you saved enough money to pay out of pocket.

Damn, I thought I had it figured out for you. Sorry for wasting your time, I suck at advice.