Looking for some advice

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I have a dilemma that I hope my fellow BPers can help me work through. One of the many reasons I have pursued a carrer in real estate is to pay off debt I have accumulated over the years. Like many others, the school loan debt I carry is beyond ridiculous, along with a mortgage and car loan.

We have saved about 10k and are paying off my only CC. 

My question or dilemma is, now with my savings cut in half, would I still be able to acquire some type of financing for flipping or buy and hold? My credit is very good, as I have never missed a payment on any loan or debt in my life. Would this even matter? Should we just wait until we save enough to put a 20% down on a property, which would take some time.

My wife cannot purchase property due to a short sale a couple of years ago.

We will be paying off her only CC next, then start paying down my car loan. Once my car loan is paid off all we will have left is the school loans and mortgage, which are both in my name only. 

So, should we just wait a few years before trying to pick up our second property?

I feel like I just went to confession. Any advice will surely be appreciated!

Thank you!

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 @Ned Carey Thank you for your reply. My first flip more than 12 years ago was financed with hard money. I was able to refinance it when the flip was done and they I held the property for approximately 18 months. I was able to sell it before the market crash. How is refinancing out of a hard money loan, or is the intent to sell before the loan balloons? I will look into this. Thank you Ned!