It does seem strange to suggest borrowing money at the moment
, but personal loans are actually pretty cheap right now as interest rates are very low. So, think about it. Borrow some cash when it's cheap; spend it when no-one else is spending so you buy at a discount. The remarkable thing is that you'll be borrowing cheap money, getting services at less than the normal going rate, and hopefully be making a decent turn when the housing market picks up, allowing you to sell at a profit!