Furnish or x, it depends on the rental rate.

I’m thinking of using Ezipayment credit card 0% interest scheme to furnish investment prop.

Let say rental rate u expected is rm1500 for f/f. mthly instalment to bank is rm900. then u have buffers for ur instalment on furnishings. Dun forget mthly maintenance, assessment, misc fee as well. If u budgeted for rm10k, then try search for 24-month instalment (free interest). The tenancy agreement period must duly follow the period, if u can. Your rm10k of savings can stay in fixed deposit.

Lots of variables here (plus discipline); make sure u got it right and allow some buffers.