new to real estate what should i focus on

[Arlet Rodriguez]

Hi!

I am new to this whole real estate thing. My goal is to reach financial freedom through passive income by 45. I am currently 20. I have about 6500 total debt(student loans and private loan) excluding my car (20k). My annual salary is 39k and my DTI ratio is low 30's. I have absolutely nothing saved up. Just recently started a roth ira and 401k. I plan on paying off the 6500 by the end of the year while trying to save each month. I guess my question is, is my car payment going to affect me getting a loan? Maybe my age makes me higher risk? My credit score is 780-800. What type of loan would be most beneficial? I have been looking at MFHs and duplexes. I also plan on house hacking.