My $3,500 0% APR credit card can serve as a down payment or earnest money, but it cannot cover the full cost. I will need multiple sources of funding, including inspection costs, repair and initial outfitting, insurance registration fees, marketing and fundraising materials, grant application fees, website costs, and sponsorship materials. I will be paying off the credit card in 20 months at $175 a month, turning my credit into leverage.

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