New to REI should I take out personal loan?

[James Ferguson]

Hey, I am new to REI and am undecided whether or not to take out a personal loan to quickly amass my down payment for my first property?

My wife and I both recently moved to Texas, have good jobs with no prior except loans or bills except our car payment and rent. I handle rent she handles the car. We work really well as a team to minimize bills. I know Hard money Lenders want you to have skin in the game as well n usually only fund up to 80%. The problem is I don't have the savings for the down payment, and I feel 2022 will be the time to pull the trigger and land a property. Actually, the goal is 2 -3 properties in 2022. 

Any thoughts on this idea to get a personal loan to amass the funds quicker?