Please help. In a dilemma

[Brian Miller]

I am fully committed to becoming a REI, and am itching to get a deal under my belt. A divorce destroyed my credit a few years back and I finally got it back to a 600, but it still is not enough for a bank loan. I also only have 20k at this moment in savings, so too little for a hard money loan, who want 20% down payment. I have found a sweetheart deal, but I am 14k short of cash needed to get the hard money loan. Should I just wait, build my credit another 100 points, save another 30-40k then regather, or push the envelope?