Have the motor looked at, if it is simple and you can get by for a bit then do it,
But if it needs something thats going to cost $$$ Then forget it, and look for a good used motor till you can get something real good later on.
There are alot of good motors for around $2000 , that will get you going for a few seasons till you can save again!!
I am on a $2000 motor going on its 4 season with very little work needed.
Just keep your eyes open.