Long time lurker here, posting for the first time today. Need some advice from the finance gurus here regarding an investment plan.

Age : 24 (young, hence my risk appetite is relatively higher)
Income : RM6k gross
Current savings : RM30k (not inclusive emergency savings of RM10k) saving about RM3k per month now
Major commitments : Rent - RM450 , nothing else

Currently I'm facing a dilemma - I , along with some help from my close friend who is a property agent, have done some research for properties and we've found a attractive listing that will require about RM25k in down payment. This property will be rented for cash flow.

I'm not too sure whether I want to proceed - I'm currently caught between this property listing, and mutual funds based on the following circumstances :

1) Planning to get married in about 2 years time - planning to buy a house for stay. I don't think my salary at that time will be sufficient to qualify for loans for 2 houses - I understand that property rental can be included during the loan application consideration but not neccesarily at a 100% .

2) With the property market as it now and speculation rife with the effects of GST will have on the property market, I am a bit reluctant to dive in. I am considering mutual funds to be attractive alternative, as I've read that the for long term investors (7-10 years) historically have 7% returns, though it is a bit low for a high risk appetite investor like myself.

Appreciate any advice I can get from the kind gurus here!