Need to take my first step. Sell or Refinance, or...?

[Luis M Diaz]

Newbie here. I live in Berwyn Illinois. I've been doing a lot reading and research on real estate investing. I'm stuck and I'm having trouble taking my first step into real estate investing. I wish I would have started before I bought my first home. I bought my first family home March 2014 for 136,500 I got in some credit card trouble and did refinance-cash out on my home October 2017 so I can catch up on bills. Now I currently owe 150,000. At the time of my refinance my home was appraised at 175,000. Similar homes in the area are selling for 185,000 to 200,000.

My goal is to buy a multi family. What should my next step be to get this Multi family investment property? I'm not sure if I should sell or refinance my home to come up with a down payment for my multi family home. I would like to know what are my options and what I can do with what I currently have. 

Thank you in advance for your time and help.