need suggestions

[John Bouter]

I am new to real estate and have been reading books, listening/watching webinars, and picking peoples brains for around two years and decided now was the time to act. With talking to a realtor she showed me two rental properties that are priced greatly and rented to long term tenants that plan on staying. The problem is my credit is not that good at all and I don't have a savings. I was thinking of trying to borrow just enough money to get a hard money loan for a year or two and save two put down a higher percentage on a traditional mortgage. Does this sound like a reasonable idea, or does anyone have better suggestions?