I don't want to borrow too much from credit card either as this will hurt my credit score.
I originally thought the interest rates the banks pay on CDs are usually really low, so people might want to take the advantage of a much higher rate by lending money to me.
I might be wrong.
Either way, I am going to buy that property as it is only priced at a quarter of the previous sale and half of the current market. I can still beat it even - even if I pay a much higher rate, and then wait for it to appreciate.