If your gonna do it, do it before November. 

 Don’t spend/loan money you can’t afford to lose. In the long term bitcoin is inevitable, but there will be volatility in the short term 

 Monthly payment won’t affect me much and I’m not planning on trading, just buy and hold. I don’t need the cashflow 

 Why not DCA then? 

 because I don’t know if it will be in this price range ever again