HELOC vs. 0% credit card for down payment

[Philippe Schulligen]

Hello BP community,

My house is paid off and I have a DTI around 25%, but little savings.

I am considering down payment on an investment property either HELOC vs. 0% credit card cash advance offer (this cash being available for 12 month, the 2-5% fees to get cash will have to be paid again each year).

Please comment about pros and cons of both (including the effect on the credit score which will affect the loan interest rate).

Thank you.

P.