My first potential investment?

[Lisa Vu]

Hello,

I wanted advice on investing in a multi-unit apartment complex. I thought about the other options but they seem more considerably risky. (Example, if I only invested in 2-3 single homes and 2 out of 3 stopped paying rent, I would be in trouble!) I currently have 20k-30k in the bank and the home I live in is fully paid off. It appraises for around 160k. I thought about refinancing, heloc, FHA loans since my first home was paid in full cash. Any advice or better ways to leverage my equity? My credit scores are decent. I want the ball to start rolling so once I buy the complex, maybe I can invest in a duplex or a triplex, etc. Could I potentially refinance the multi-unit apartment complex to purchase more? Thanks for the help! I'm still relatively new to all of this.