Yes, you are right, she is very fresh in the investment world and that's precisely why she is asking those who are more experienced for advice here.

IMO, there's no reason why she should not start investing with a salary of RM 3k , paying RM 1k per month for the loan and getting +ve cash flow some more. Further more, this is investing and not speculating and well within her means.

When I was 28, I bought my 1st house for RM 110k. My pay that time was RM 1.8k and I was paying a monthly instalment of RM 635 for the housing loan. I rented out the house for RM 750 to a multinational company which rented the house for 10 years. So, every month I got +ve cash flow of RM 110. Then, I sold the house for RM 230k and bought a RM 1 mil semid in Setia Eco Park. By patiently investing, I managed to buy a RM 1 mil house.

So, my advice is based on my own experience. It's ok to invest even when still young and earning peanuts as long as it's within your means and can earn some +ve cash flow. The challenge is to look for affordable property which can give good returns and this is the advice TS is looking for.