Kevin,
It's been our experience that the best and cheapest way to finance anything other than your house is through a mortgage backed line-of-credit. This assumes you have some equity in your house, iow that you've paid of a chunk of it. Using this as equity, the bank gives you a line-of-credit that you can tap into at any time. They give you their best rate, because if you don't pay it off, they can take your house! You can use the $$ for anything.
But this is in Canada. I understand the situation in the states is quite different.
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