Fair enough.
If we're being cheap...
I bet you could record an album with one of those $80 USB large-d condensers with your laptop. Something feels really wrong about recommending that, like I said! The interface is built in. $80 and that's it. Learn some mic and room technique. Verses that $300 rig and then muddy 58 tracks to deal with.
I haven't shaken down those cheap mic/interface combo thingies. My guess is they fall short with very quiet and very loud. Probably sound a little brittle when you start pushing them.
$500 would get a little interface and a decent medium or large condenser. A decent condenser would let you record just about anything and it would be up to technique to sound fully pro.
I'd shop used gear with a $300 budget and try to hit $500 worth or more.
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