20 Years old and $20,000 invest now or later

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Hello, I'm Logan,

I'm currently 20 years old working as a Mortage Administrative Assistant at a local community bank, I live at home still so my cost of living is about $300 a month. My credit score is 740 and my only debt is my student loans that total about $4,000 that are interest-free until 2024 so I'm in no hurry to pay it off. I'm currently sending $25 a week towards my loans. I have about $20,000 currently saved/invested and by the end of next year I'm projected to have anywhere from $40-45,000. I do live in a high cost of living state (MA) and would like to invest in some cheaper markets such as the Mid-West or South-East since this will be my first deal and I don't want to sink all my capital into one deal. I do know long-distance investing can be more challenging than close to home. I would like to invest in multifamily rents under 100k to start and then possibly move onto apartment buildings.  My question is should I wait till the end of 2022 until I have 40-45,000 or should I invest now, also what markets do you recommend I look at?