IMO the best way to go would be to establish yourself with solid morphs that are on the lowish end of the price spectrum. This way, you can build a solid reputation by putting plenty of good snakes into the buying demographic. Pick up some nice cheap female morphs--spiders and pastels are about as low as they CAN go in price--practically competing with norms on price--and use those as your base breeding females. Pick up a few neat males that will co-mingle nicely with the female morphs you've chosen and build up from there. I'd develop a solid 5-10 year plan, with the production of lots of mid-low level morphs for your first few years to build your rep, then slowly ease yourself into higher-end morphs as these start producing.

I would imagine that with 20k, the easiest way to get a killer deal would be to find someone who wants to quit breeding who is selling their entire set-up at a major loss. Just make sure you don't get a bunch of neglected snakes/gear...