Should I wait or go for it

[Seth Nichols]

Hello I’m 22 I bought my primary residence back in 2021 I currently owe $122,000 the estimated value of it is now $206,000. I have $11,000 cash on hand. I’m wanting to get into real estate but I’m not sure if I can yet or not I’m about an hour drive from Indianapolis. I’d like to get into rentals or maybe fix and flips I’ve talked to a bank and they will approve me up to $75k on a property any help or advice would be appreciated! Thank you!