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I don't know the answers to any of your questions, but my only gut reaction was:
Please don't consider doing $0 down.
If you must, make sure to do the math about:
What's your interest rate
Is it variable
How much is your PMI
What is the break even time between sucking it up now and putting some money down versus doing a $0 down and paying a higher rate and paying PMI etc.
Cheers!
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1983 SC Coupe
2020 Macan Turbo
1963 BMW R60/2
1972 Triumph Tiger
1995 Triumph Daytona SuperIII
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