Hard money loan vs waiting a little - stuck on investment step

[Kuriakos Mellos]

Hey everyone!  Happy Holidays.

As the year winds down, and I am reevaluating where I’m at in my investment journey - I feel like I’ve accomplished more than what I set out at the beginning of the year.

Part addicted or part not wanting lose momentum, I feel like I can squeeze out one more purchase (most likely a SFH) but this is where I'm stuck - I can move forward with a hard money lender who has highly rates and required a larger down payment or I wait and see if my score bumps back up so I can work with my conventional lender - but who knows how long that will take to happen. He suggested paying off a car note but that would be about $16 K - again which I can use on a new purchase.

Wait or move forward and keep building?