We are looking at buying into AKL with the current incentives. How do we know if we will qualify for Standard, Preferred or Premium interest rate? How do we know what percentage down will be required? And finally, when looking at the percent down, is the closing cost in addition to that or is the closing cost included in the percent down required? We are using bonuses to pay for the membership, so it will take at least 3 to pay off the full amount. Please don't give me advice on financing, we've done the math, and this makes sense for our family. All I want to know is how we know what financing we will receive and how much we will be required to put down. Thanks!