<prompt> Human: I am about to start building a house. We have purchased the land with cash, so if I add 4k Ill have 10 down payment. Ill also have another 50k or so that I can use to either put more down onto the house, pay off a vehicle, or just invest in general. The car note is 2.86, constructionhome loan is undetermined, probably 4-4.5. What would you guys do?  <response>: Put 20 down to avoid PMI. 