Your words are correct but building an investment plan/strategy based on the start of the rally in price is not a good plan, prices are currently rising, but there are no signs of continuing this rise as the correction expectations considered.
Concerning loans, you are right.
Your strategy is simple and ideal so do not expect it to happen and do not consider that the cryptocurrency market is so easy.
Huge black is right, there is no way to know that the market is truly making this 'u-turn' that you seem so sure of. The market is a beast, one which can't be predicted in the least. One which will take your money and burn it all when you attempt to time it, or use leverage, or use an unnecessary amount of risk. If you want to TRULY be smart in the market you're going to have to go in for the long game -- which is the only game which has worked up to current in making people a profit (and a substantial one at that) overtime. I also wouldn't be making most of my investments in Crypto, but that's just me.... I'd much rather dedicate a small percentage here if anything.