The downside is it might take a year because I want to pay down as many bills as possible and just have my student loan and car payment as my two main ones.
Now's a pretty good time to buy. The market is incredibly distressed, and you can get the best deals in the last 25 years.
Assuming, of course, that you can qualify for a loan. The fucking banks have swung the other way, and they're now tighter than Scrooge McDuck's arsehole about lending money.
MEH!