Work on credit or finding deals

[Eric Gross]

I am caught in a conundrum currently. I have been saving up over the past couple of years and I am looking for my first buy and hold deal. I am 20 years old and my credit reflects that. My fiancé has a better score but it’s still only below average. We have saved up for a 20 percent down payment. The issue we are facing is whether to be patient and work on our credit while continuing to save up money, or invest now and deal with the higher rates as long as the deal makes sense. Any advice would be great. Thank you!