New investor Do I consolidate debt?

[Christopher Andrews]

So I am new to investing and have been working hard on my credit. I have 2 judgements against me. I talked to both and one is willing to accept half. I am considering getting a personal loan and consolidating them that will take them out of judgment and put my credit back on tract. I have been paying both regularly for over a year. These two issues were what has been keeping me back from getting a home. Is this a good idea? How long after I consolidate will it take my credit to improve? 

Second question:

I have looked owner financing through realtor.com, craigslist, zillow, and a few other sites but I cannot find any. Where would you recommend I look or how should I search to find these opportunities?