Purchasing a buy and hold

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Hi members, looking for advise on a potential purchase. Here is my scenario: A seller has a 3 bedroom 2 bath condo in New Brunswick NJ that has a retail value of $150k but is willing to sell for $100k all cash. She is will to take $50k now and the balance in 6 months. My plan was to pay now with 0% interest rate credit cards and then do a cash out refi in 6 months. Is there a bank that will do this deal? My credit is good but my cash on hand is small. There is a tenant in place and the unit rents for $1550 per month. Renter pays all utilities. It is a condo with HOA fees of $286, taxes of $4200/yr. Please advise. My other strategy would simply be to wholesale the deal but I would prefer to keep this one if I can get it financed at 80% LTV in 6 months