no 20 isn't too bad
I'm a little concerned with her weight. Yes the people put in the ad saying she was underweight, but she looks pretty bad to me.
Also, I don't like the way she's standing. She toes out REALLY bad, and her legs look weird to me.
Personally, I'd step away from this one. She's cute and does seem to have a good attitude, but she doesn't look healthy or sound.