If it were in a 2-of-2 multisig where you get part of it as it is paid off, there would be no problem. Try the calculator.

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Why would I pay 50% interest over of the life of the loan when I can just DCA? Doesn’t make any sense

Well I'm making the assumption that you would rather have more bitcoin than less bitcoin, but if I'm mistaken, feel free to zap me whatever amount you prefer to not have.