MovingForward_2012 wrote:
Lastly, if you don't mind the higher payment with financing, you could give it a try now after you minimize your debt. Later on, you could always refinance the lower principal in 3 years if you happen to need some of your money back for an apartment, condo, whatever.
Thank you for all the replies. I'll try next month after I check my scores. I tried the FICO score simulator and the simulator showed I should be anywhere from 680~720. I don't know how accurate the simulator is but once my FICO score is updated next month, I'll give it a shot. 
Starting Score: 660