Regarding the criminal restriction--If you're using method 3, paying $150 times the number of weeks, and you don't have enough cash, what do you do? Do you have to switch to one of the other methods, or can you sell off items for the money? That should be prohibited by the Business restriction normally but I get the feeling that it's more realistic to give the mob your extra furniture than to say "I don't have enough"... Technically, using the sell-and-re-buy method you'd end up not having enough money to re-buy stuff... opinions? any official word?

If you do not have enough funds to pay the entire bill, you must use method #1